Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I respectfully disagree with the companys response and do not consider this complaint resolved. I am submitting this feedback to formally state that the companys explanation does not address the core issues raised in my complaint and does not satisfy its obligations under consumer protection laws.

1. Identity Theft Was Not Addressed I am a victim of identity theft, and I filed an Identity Theft Report with the Federal Trade Commission ( FTC ). This was clearly stated in my complaint. The companys response fails to meaningfully address this fact and instead relies exclusively on internal records and a purported contract without explaining how identity theft indicators were evaluated or investigated.

Under the Fair Credit Reporting Act ( FCRA ), when identity theft is alleged and supported by an FTC report, furnishers have a heightened duty to conduct a reasonable investigation and to ensure that any information reported is accurate, complete, and verifiable. The company did not explain : How my FTC Identity Theft Report was reviewed or validated What procedures were used to confirm that I was the individual who actually entered into the transaction Whether signature, application, or origination data was independently verified in light of identity theft Simply asserting that a contract exists does not resolve an identity theft dispute.

2. Prior CFPB Case Was Not Resolved New Case Is Being Created This feedback is submitted in connection with a new CFPB case, as previous case number XXXX was closed without resolution. The issues raised in that case remain unresolved, and the companys current response again fails to address the substance of my dispute.

Closing a case without correcting or meaningfully investigating disputed information does not eliminate the underlying consumer harm, particularly when identity theft is involved.

3. Credit Reporting Accuracy Remains in Dispute The company claims it is required by law to report the account history and therefore can not remove it. This statement is misleading. There is no legal requirement that a furnisher report negative information when the accuracy and ownership of the account are disputed due to identity theft.

The company did not address : Whether the account was clearly marked as disputed due to identity theft with all consumer reporting agencies Whether negative reporting could be suppressed or removed pending resolution of the identity theft claim Whether continued reporting causes ongoing harm despite unresolved questions of account ownership 4. Payment History, Repossessions, and Deficiency Balance Are Still Contested The documentation provided reflects a highly complex payment history with reversals, partial payments, delinquency fluctuations, repossession, auction, and a deficiency balance. However, the company did not explain how this information remains accurate and appropriate to report when the underlying obligation itself is disputed due to identity theft.

The response does not demonstrate that : The reporting reflects maximum possible accuracy as required by the FCRA The deficiency balance is valid against me personally in light of identity theft All fees and charges were assessed against the correct party 5. Complaint Should Remain Open or Be Re-Evaluated Because the company : Failed to address my FTC Identity Theft Report Relied solely on internal records without addressing fraud concerns Did not resolve the prior CFPB case ( XXXX ) Continues reporting disputed information that causes ongoing consumer harm I do not agree that this matter is resolved.

I respectfully request that the CFPB note my disagreement, keep this complaint on record, and consider further review of the companys handling of identity theft disputes and credit reporting practices.

Supporting Documentation My submission includes documentation referenced by the company, including the retail installment contract, notices, repossession records, auction details, and deficiency calculations. These documents do not resolve or negate my identity theft claim. 

XXXX XXXX XXXX CFPB Respo

Company response to consumer: Closed with explanation