Consumer complaint received 2024-07-10 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: GA

Complaint narrative:
I write this Regarding the infringement of my rights as a consumer and the erroneous information on my consumer report, I am writing to whom it may concern. " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy, '' pursuant to section 602a of the Fair Credit Reporting Act, 15 USC 1681. 

I am the consumer, and the consumer reporting agencies are XXXX, XXXX, and XXXX. According to 15 USC 6801, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' I have the right to ensure that my private information isn't shared. By definition, TOYOTA MOTOR CREDIT falls within the category of financial institutions under the title 15 USC 1601.

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' I do not give TOYOTA MOTOR CREDIT, the financial institution, or the consumer reporting companies XXXX, XXXX, or XXXX verbal consent to disclose this information, and I do not give them written consent either. All spoken, nonverbal, written, implied, and other consents to XXXX, XXXX, XXXX, and Toyota Motor Credit are hereby revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I was never made aware of my right to utilize my nondisclosure option by TOYOTA MOTOR CREDIT.

Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) section A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. 

I demand this account XXXX with TOYOTA MOTOR CREDIT be shown as Paid as agreed and all other statements or adverse items including the 30 day late payment remarks dated XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to be removed as soon as possible since this account/debt has been paid off in full before the due date the loan is a 74 month term and the date the debt was opened was on XX/XX/XXXX, which means your also in violation of 15 U.S. Code 1666b.

Company response to consumer: Closed with explanation