Consumer complaint received 2022-06-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
with all my respects to any representative who takes this case.

as a consumer. Nissan motors has violated my rights and violated 12 CFR 1006.34 - Notice for validation of debts. And also, this applies to Nissan motor 15 USC 1605 : Determination of finance charge. For the past two years Nissan motors alleged there is an account on my name this account is a XXXX Nissan XXXX  that was added without my permission. I have contacted Nissan motors regarding this account it has been two years of disputing with all three credit bureaus this information. it continues coming verifiable. Nissan motors has sent me a e- contract That I am not familiar with. this e-contact shows a signature that it's not mine also it shows my name spelled incorrectly. I am not just asked Nissan motors to provide me with the original contract, but I also ask Nissan motors to send me original contract with my wet signature a payoff disclosure/interested rate disclosure/balanced history/payment history and credit insurance which this shows on that e-contact. Nissan motors failed to provide me with those documents Nissan motors also alleged that I agreed of the purchase of this XXXX Nissan XXXXXXXX. To my knowledge Nissan motors never notify me or check the identity of the person who purchased this vehicle Nissan motors Assume that this vehicle was a fraud on Behalf of one of my family members which this is unclear because the purchase I did with Nissan motors was a XXXX Nissan XXXXXXXX  which that vehicle was paid in full. It also shows that this vehicle was trade in and if this vehicle was traded Nissan motor should contact me or mailed me a letter. onto this point from the two years me disputing this account with Nissan motors. Nissan moto never explained where and how this account was generated Nissan motors assume of one of my family members of trading in this vehicle I am holding accountable Nissan motors for the damages that has caused to my family and preventing me the used of my credit. also, Nissan motors have violated my personal information by sharing my information with a third party my information should be kept private and confidential this is another violation that Nissan motors has made. and the law says it very clearly. 15 USC code1681b. Permissible purposes of consumer reports. Which I am referring to XXXX XXXX XXXXsharing my information when this information should be kept confidential. Those companies that I have mentioned also violated my personal confidential information by sharing information that should be kept private. And just to tap that off I am asking the CFPB to grant me. 15 U.S. Code 1681n - Civil liability for willful noncompliance. Or to remove the information showing on my credit report. And share this information with the company that Nissan motors have shared my information with. And notify them to practice the truth and lending act. and I am pursuing those other companies for sharing my information and violating my personal information. is very disappointing to put companies in this position but enough is enough.as a consumer I have right. also, this account is showing as a charge off why this is showing if this is not considered income. Have this account removed immediately from my credit report.

Company response to consumer: Closed with explanation