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 unlawful debt collection and false credit reporting practices that harmed hundreds of California consumers.
Broken Promises to Consumers
According to the First Amended Complaint filed in the U.S. District Court for the Central District of California, Toyota’s representatives promised over 700 consumers that the company would stop all debt collection and negative credit reporting while working to resolve vehicle-related disputes.
Despite these written assurances, Toyota allegedly continued to pursue collection activities and report false delinquencies to major credit bureaus, severely damaging consumers’ credit profiles.
The complaint references internal company documents confirming that Toyota tracked which consumers were supposed to be protected from negative credit reporting, yet failed to honor its own commitments.
Violations of State and Federal Law
The lawsuit alleges multiple violations of consumer protection laws, including:
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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 Fair Credit Reporting Act (FCRA)
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Breach of Contract and Unfair Competition under California’s Business & Professions Code
The case contends that Toyota’s actions were knowing and willful, constituting a deliberate disregard of consumers’ legal rights and financial well-being.
Widespread Harm to Consumers
Many affected consumers experienced significant credit score drops, loan denials, and long-term financial hardship as a result of Toyota’s continued collection and reporting activities.
The lawsuit seeks to represent all California consumers who were promised protection from debt collection and credit reporting but were still targeted by Toyota and its affiliates.
Legal Relief Sought
The class action seeks:
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Statutory and compensatory damages
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Injunctive relief requiring Toyota to correct false credit reporting
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Restitution and punitive damages for unlawful conduct
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Attorney’s fees and costs for affected consumers
If proven, the allegations could result in millions of dollars in restitution and significant reform to Toyota’s credit and collection practices nationwide.
Protecting Consumer Rights
At the Law Office of Jason Ingber, we are committed to holding corporations accountable for deceptive and unlawful financial practices. Our firm represents consumers throughout California in cases involving false credit reporting, unfair debt collection, and automotive finance disputes.
If you have experienced unfair treatment or inaccurate credit reporting from a lender or vehicle manufacturer, 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.