The Law Office of Jason Ingber has filed a federal class action lawsuit against Toyota Motor Corporation and its affiliates, alleging that the automaker engaged in a widespread scheme of false credit reporting and unlawful debt collection affecting hundreds of California consumers.
Broken Promises to Consumers
The newly filed First Amended Class Action Complaint asserts that Toyota, through its attorneys, made written promises to over 700 consumers stating that it would cease all collection efforts, repossession actions, and negative credit reporting while working to resolve disputes involving defective hydrogen-electric vehicles.
However, the complaint alleges that Toyota knowingly violated those commitments, continuing to harass consumers for payments and report false delinquencies to credit bureaus—despite maintaining an internal spreadsheet tracking the very customers it had promised to protect.
Systematic Consumer Harm
The class action claims Toyota’s actions were willful and coordinated, not accidental. Even after acknowledging “errors” in its credit reporting process, Toyota allegedly failed to correct the records and allowed inaccurate information to remain on consumers’ credit profiles.
The result has been substantial credit damage, including lowered credit scores, loan denials, and lasting harm to consumers’ financial reputations. Many victims reportedly lost over 100 points on their credit scores due to Toyota’s false reporting.
Class Allegations and Scope
The class action represents approximately 700 affected consumers who were included in Toyota’s internal “Credit Reporting Protection Status” list.
Each class member allegedly:
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Received written assurances that debt collection and credit reporting would stop;
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Was still subjected to continued collection or credit reporting activity; and
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Suffered financial and emotional harm as a result.
The case seeks injunctive relief, damages, and restitution for all class members under federal and state consumer protection laws.
Violations of Consumer Protection Laws
The lawsuit alleges that Toyota violated multiple state and federal statutes, including:
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The Fair Credit Reporting Act (FCRA)
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The California Consumer Credit Reporting Agencies Act (CCRA)
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The Rosenthal Fair Debt Collection Practices Act (RFDCPA)
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The California Unfair Competition Law (UCL)
According to the filing, Toyota’s actions were willful, given its direct knowledge of ongoing harm and failure to implement promised protections despite repeated complaints.
Seeking Accountability and Consumer Relief
The class action seeks a court order requiring Toyota to:
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Cease all collection and credit reporting activities on the disputed accounts;
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Remove false credit entries from all affected consumers’ reports; and
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Compensate victims for financial and emotional damages caused by its conduct.
The case also requests punitive damages for Toyota’s alleged intentional and reckless disregard for consumer rights.
Protecting Consumers Against Corporate Misconduct
At the Law Office of Jason Ingber, we are committed to protecting consumers from deceptive, abusive, and unlawful corporate practices. Our firm represents individuals across California in cases involving false credit reporting, unfair debt collection, and automotive finance fraud.
If you’ve been the victim of false credit reporting or unlawful debt harassment, contact us today for a free consultation.
We work on a contingency fee basis, meaning you pay nothing unless we recover compensation for you.
Contact The Law Office of Jason Ingber
The Law Office of Jason Ingber represents consumers across California in complex financial and credit reporting disputes against major corporations.
If you have been harmed by wrongful debt collection or false credit reporting, contact us today for a free consultation. We work on a contingency fee basis, meaning you do not pay unless we recover compensation for you.