Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15221175
Complaint Overview
Complaint ID: 15221175
Company: Toyota Motor Credit Corporation
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: California
ZIP Code: 92394
Date Received: 2025-08-11T12:00:00-05:00
Date Sent to Company: 2025-08-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Dispute of Inaccurate Charged-Off Account Toyota Motor Credit Account Ending in XXXX To : Toyota Motor Credit Corporation Compliance / Credit Reporting Department I am formally disputing the reporting of the charged-off account ending in XXXX that is appearing as closed on my credit report. This reporting is inaccurate, incomplete, and unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ) ) and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX you may not furnish information you know or should know is inaccurate, and you must conduct a reasonable investigation when notified of a dispute. Provide all documentation you claim supports this reporting, including : Original signed contract or account agreement Complete payment history from account opening through closure Documentation of charge-off date and manner of calculation Notices sent to me regarding the alleged charge-off If you can not fully substantiate every aspect of this accounts reporting, including accuracy of the dates and balances, you must immediately delete the account from all credit bureau records and confirm in writing. Failure to comply will result in escalation to the Consumer Financial Protection Bureau, the XXXX Attorney General, and legal action under FCRA and XXXX XXXX XXXX XXXX for willful violations. Best, XXXX XXXX
Frequently Asked Questions
What is Complaint #15221175 about?
Complaint #15221175 was filed against Toyota Motor Credit Corporation regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-08-11T12:00:00-05:00.
How did Toyota Motor Credit Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Toyota Motor Credit Corporation?
Yes, visit the Toyota Motor Credit Corporation company profile at readthecomplaint.com/company/toyota-motor-credit-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.