Vehicle loan or lease -- Problem with a company's investigation into an existing problem -- Complaint #18146053
Complaint Overview
Complaint ID: 18146053
Company: Toyota Motor Credit Corporation
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: California
ZIP Code: 926XX
Date Received: 2025-12-04T12:00:00-05:00
Date Sent to Company: 2025-12-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I previously submitted a written dispute to TOYOTA MOTOR CREDIT dated XXXX XXXX, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), TOYOTA MOTOR CREDIT has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since TOYOTA MOTOR CREDIT did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure TOYOTA MOTOR CREDITs immediate compliance with FCRA requirements. TOYOTA MOTOR CREDIT XXXX
Frequently Asked Questions
What is Complaint #18146053 about?
Complaint #18146053 was filed against Toyota Motor Credit Corporation regarding Vehicle loan or lease specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-12-04T12:00:00-05:00.
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 (Vehicle loan or lease) 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.