Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
Toyota Financial has kept projecting that I was behind for two months for years. In XXXX Toyota Financial kept projecting that I was behind for two months, casing major damages to my credit, so I decided to pay them three times in one month, after pay them 3 times in one month, it should I have brought my account beyond current meaning it should have brought my account a month ahead. But for the last 8 months they have falsely claimed that I behind. After my credit score has dropped more than 3 times l I called Toyota financial starting XX/XX/XXXX where I was rudely mistreated on the phone and when asking why they are projecting that I was behind but never gave me a reason why just they are correct. I called XX/XX/XXXX where I talked to some again about the car note, so I was told that my account was going to be inspected and assessed to see to see what was going on with my account and my payment. I was told that in 48 hours was was going to recieve a phone that never came. So I called back XX/XX/XXXX to see what was going on with my account to discovering nothing was done, upon the discovery of the customer service representative she discovered that the problem and the reason why they are falsely projecting and falsely reporting on my credit was because they said that in XXXX I never paid them 3 times. My confirmed that I pay them to me. The representative found and acknowledged that I paid them, stating that my account would be current and I that all I had to do is continue to pay on time I would be fine, i specifically asked if I paid now would be not beyond she said yes, so I paid through her, then she gave me the address to ask Toyota to fixed the miss applied payment to fix the false reporting on my credit. I was told that my account was brought current and that I did not need to do anything else. But that was not the case as my credit began to drop lower because of Toyota Financial and then on top of that I found that because of the false reporting I can't get a house and being assessed to get to get a house because I am XXXX a need one. Unpon finding out that what was said to me was not true after going to pay the bill, I called XX/XX/XXXX were my rights was violated and the law was broken where a manager openly informed me that she was listening to my conversation between me and the representative named XXXX # XXXX and the managers name and id number was XXXX # XXXX. I informed XXXX that violated the law and my rights because I never gave consent for a third party to listen in to my conversation, that I wasn't informed that she was listening to my conversation. She then told me that Toyota come not proof that the payment was paid, she informed me that I had to send proof by sending a merchant reciept. I also asked and was told that my bank statement was not good enough. So I called the bank and ask them for a merchant receipt and the bank could not understand why my bank statements wasn't proof, So the bank sent proof to me that I did indeed by them 3 times in one month. For years I have been getting the run around from Toyota financial, this unfair to destroy my credit, causing makjor harm to my life. I report XXXXoyota Financial for breaking my rights, violating the law and for unfair business practices.

Company response to consumer: Closed with explanation