Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5512776
Complaint Overview
Complaint ID: 5512776
Company: Toyota Motor Credit Corporation
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Maine
ZIP Code: 040XX
Date Received: 2022-04-28T12:00:00-05:00
Date Sent to Company: 2022-04-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I have been working with XXXX since XXXX when I was in a deadly fire. I spent a great deal of time trying to get them to take the car back because I was not working and my husband was XXXX and I had been badly burned and injured. They had agreed to take the car back with no penalties. possibly just a small fee and if it needed detailing, which I had done for them. Somehow all of that information was lost during some switching of loan servicers and I received a letter saying I owed around XXXX. There was suddenly no record of the many conversations with supervisors. The bill has continued to grow and now that I am getting a new mortgage It is damaging my credit report. I loan advisor had asked me to call the collection agency that was the agency for XXXX, XXXX. I called them and discussed a payoff. I told them at one point XXXX said I owed them XXXX so I would pay that amount but I wanted to make sure they would communicate timely with XXXX and show the payoff agreement and cash my check I gave over the phone. I have a recorded conversation saying it would be done right away and on my credit report it would show paid as agreed OR settled in full. The chek took a month to clear. XXXX is not reporting this correctly. One agency it says I owe XXXX. Another says I owe XXXX and I paid XXXX. Another says Charge off XXXX. I have disputed this almost daily with letters of proof of payment and a letter from XXXX showing settled. I have called XXXX and they said it will never say paid in full or XXXX balance and they are not correcting it. I call XXXX almost daily and spend an hour or two while I wait on hold for a supervisor and they come back and ask me to call back another time. I have yet to speak with a supervisor. I have called XXXX and they say its not up t them to fix the credit bureau and its up to XXXX what they want to show on the credit report. This is after a 9 minute recorded conversation. This was very deceptive practice to collect for XXXX and for both of them to tell me it would report settled or paid as agreed with no balance and then not back it up after they received my money.
Frequently Asked Questions
What is Complaint #5512776 about?
Complaint #5512776 was filed against Toyota Motor Credit Corporation regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-04-28T12:00:00-05:00.
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, credit repair services, 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.