Consumer complaint received 2025-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TOYOTA MOTOR CREDIT CORP/TOYOTA FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for IRS XXXX XXXX To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX XXXXToyota Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for their XXXX to properly respond to multiple certified correspondences and their failure to provide legally required documentation, specifically the IRS Form XXXX, as they have indicated that my XXXX debt has been XXXX in my credit report. 
XXXX. On or about XX/XX/year>, I sent a formal NOTICE BY WRITTEN COMMUNICATION / SECURITY AGREEMENT to Toyota Financial. This notice was sent via XXXX Mail # XXXX and was delivered on XX/XX/year>, per XXXX XXXX Return Receipt. Toyota Financial did not respond. 
XXXX. On XX/XX/year>, I sent a NOTICE OF FAULT AND OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE, via Certified Mail Receipt # XXXX, with XXXX XXXX Return Receipt. Toyota Financial did not respond. 
XXXX. On XX/XX/year>, a subsequent NOTICE OF FAULT AND OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE was sent via Certified Mail Receipt # XXXX, through a Notary Public acting as a third-party witness. Toyota Financial failed to respond. 
XXXX. On XX/XX/year>, an AFFIDAVIT OF NOTICE OF DEFAULT was sent to Toyota Financial via Certified Mail Receipt XXXX XXXX This document was served by a XXXX XXXX as a third-party witness. Toyota Financial did not respond, effectively admitting guilt through non-response. 
Toyota Financial has failed to provide the legally required IRS XXXX XXXX, which is mandatory if they claim the debt has been XXXX. This failure constitutes a violation of IRS regulations and consumer financial laws. 
The company has failed to engage in meaningful correspondence to address my dispute, violating consumer protection regulations. 
Toyota Financial 's failure to provide the required documentation has harmed me by negatively affecting my credit history and failing to provide transparency regarding my financial records. 
I am DEMANDING the immediate resolution of this matter through the following actions : XXXX. XXXX production of the IRS XXXX XXXX if Toyota Financial has indeed XXXX the alleged debt. 
XXXX. The immediate removal of any negative credit reporting related to this alleged debt from all credit bureaus. 
XXXX. XXXX compensation for damages caused due to Toyota Financials failure to act in good faith, including their lack of response and failure to provide necessary documentation. 
Toyota Financial has already exceeded reasonable legal response times, and their continued inaction constitutes bad faith conduct. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure compliance with applicable consumer protection laws. 
I appreciate your prompt attention to this complaint and expect a resolution at the earliest possible date. 
Sincerely,

Company response to consumer: Closed with explanation