Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Subject : Formal Demand for Compensation Due to Unauthorized Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Toyota XXXX Toyota of XXXX To Whom It May Concern, I am writing to formally demand compensation for the unauthorized hard inquiries made on my credit report during my recent visit to Toyota of XXXX XXXX As per the Fair Credit Reporting Act ( 15 USC 1681n ), I am entitled to {$1000.00} per violation, totaling {$3000.00}, for the financial injury incurred as a result of these actions. 

During my visit to your dealership on [ XX/XX/XXXX ], I arrived with a check issued by XXXX XXXX XXXX XXXX specifically for the purchase of a vehicle. Despite my explicit instructions and presentation of the XXXX XXXX check, Toyota of XXXX proceeded to submit my information to multiple banks without my consent, resulting in unauthorized hard inquiries on my credit report. 

This flagrant disregard for my consumer rights and privacy is utterly unacceptable. By granting access to third parties to my credit report without my consent, Toyota of XXXX has not only violated federal regulations but also jeopardized my financial well-being and subjected me to unnecessary stress and inconvenience. 

I demand immediate compensation in the amount of {$3000.00} to remedy the financial harm caused by these unauthorized credit inquiries. Furthermore, I expect assurances from Toyota of XXXX that stringent measures will be implemented to prevent similar incidents from occurring in the future. 

Failure to comply with this demand within [ 10 business days ] will leave me no choice but to pursue legal action to enforce my rights as a consumer. I trust that Toyota of XXXX will take prompt and appropriate action to address this matter and restore my confidence in your dealership. 

I am writing to express my profound disappointment and outrage regarding the deceptive practices employed by Toyota of XXXX during my recent visit to your dealership. On [ XX/XX/XXXX ], I arrived at your establishment fully prepared to purchase a vehicle, equipped with a check issued by my trusted financial institution, XXXX XXXX XXXX XXXX. 

Throughout my interaction with your, including XXXX XXXX XXXX the sales Manager and XXXX XXXX XXXX XXXX, I was under the impression that I was providing consent for Toyota of XXXX to contact XXXX XXXX XXXX XXXX to facilitate the clearance of the check I presented. However, it has come to my attention that this was not the case. 

Contrary to my understanding, the documents I signed were not intended to authorize communication with XXXX XXXX but rather to allow Toyota of XXXX to submit my information to multiple banks for credit approval decisions. This deliberate misrepresentation of the purpose of the documents constitutes a grave violation of my consumer rights and amounts to nothing short of identity theft. 

By exploiting my trust and misguiding me into believing that I was authorizing contact with XXXX XXXX exclusively, Toyota of XXXX engaged in deceptive practices with the intention of obtaining my personal information for their own gain. This unethical behavior not only breaches the fundamental principles of consumer protection but also poses a significant threat to my financial security and privacy. 

Furthermore, the subsequent unauthorized credit inquiries made without my explicit consent further compound the severity of this issue. These actions not only constitute a breach of trust but also demonstrate a complete disregard for the laws and regulations governing consumer rights. 

It is imperative that Toyota of XXXX be held accountable for their unlawful actions and that appropriate measures be taken to rectify the harm caused. I demand a full investigation into this matter, including a thorough review of your dealerships policies and procedures to prevent such incidents from occurring in the future. 

In addition, I insist on immediate remediation, including the deletion of all unauthorized credit inquiries from my credit report and restitution for the financial and emotional distress I have endured as a result of Toyota of XXXX actions.

Company response to consumer: Closed with explanation