Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
This is not a duplicate complaint. This is my fourth formal submission regarding XXXX charge-off accounts inaccurately reported by Toyota Motor Credit Corporation XXXX XXXX ), also known as Toyota Financial Services XXXX My XX/XX/year> CFPB complaint was wrongly labeled duplicate, despite clear new evidence and additional violations. That designation must be reversed in CFPB records. XXXX has repeatedly failed to produce foundational documentation to justify continued credit reporting, in violation of FCRA 623 ( a ) ( 1 ) ( B ). Specifically, Toyota has not provided : -Final insurance settlement records, -GAP denial documentation, -A full post-insurance accounting of the alleged deficiency, These are baseline legal requirements in a post-accident charge-off scenario. Without them, the alleged balance is unverifiable and the tradeline is facially inaccurate. On XX/XX/year>, I sent Toyota a final notice dispute letter by certified mail. They responded with recycled documents that completely omit all critical evidence listed above. This is a second-rate attempt at appearing compliant without actually validating the debt. XXXX then referred the account to XXXX XXXX Solutions, who responded to my dispute with documents incorrectly referencing XXXX XXXX completely unrelated company. This undermines the chain of title and calls the entire tradeline into question. XXXX also referred the account to XXXX XXXX, who has failed to respond to my XX/XX/XXXX validation request, received on XX/XX/XXXX. This is a direct violation of FDCPA XXXX ( b ). Despite these repeated failures to validate, XXXX is continuing to furnish this tradeline to Experian, Equifax, and XXXX measurable and ongoing damage to my credit profile. My XXXX XXXX has dropped significantly due to their reporting, despite no lawful basis for the debt. This complaint reflects new legal violations, new parties, and new documentation, including collection misidentification, non-response, and repeated failure to validate the basis for reporting. The continued credit reporting is now legally indefensible. I have attached the exact documentation Toyota Financial Services provided in response to my prior dispute. These files confirm XXXX failure to provide foundational documentation required under the FCRA and FDCPA. Specifically, there is no XXXX denial letter, no insurance payout record, no proof of balance calculation, no original signed agreement, and no chain of title for the debt. The attached documents only further support the conclusion that this tradeline can not be legally verified and must be deleted. I have included XXXX supporting documents to verify my dispute and establish that the tradeline is being reported without sufficient foundation. These include : ( XXXX ) a copy of my GAP contract proving coverage was active, ( XXXX ) XXXX partial responses from XXXX which fail to include the most critical documents such as the insurance payout summary or GAP denial, ( XXXX ) a final dispute letter dated XX/XX/year>, ( XXXX ) proof of my CFPB complaint history, ( XXXX ) a debt validation letter to Synergetic ( received XX/XX/year> ) with no response to date, ( XXXX ) contradictory letters from XXXX showing inconsistency in account details, and ( XXXX ) a formal response from Radius Global that incorrectly refers to XXXX XXXX completely unrelated XXXX XXXX mishandling of account data. These errors materially damage my credit, lack substantiation, and warrant full deletion of this tradeline immediately. Additionally, this reporting has caused measurable harm to my credit profile. My XXXX  score dropped over XXXX points after XXXX and its agents failed to validate the account and the credit bureaus wrongly retained it. These inaccuracies are not just technicalthey have real-world financial impact. I urge the CFPB to act on this as a systemic failure across data furnishers and furnishers agents, not just an isolated error. I request an immediate and complete deletion of both tradelines as the only just resolution to restore accuracy and prevent further harm.

Company response to consumer: Closed with explanation