Consumer complaint received 2023-12-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am compelled to lodge an urgent and serious complaint against Nissan for their mishandling of my credit account, resulting in erroneous late payment entries and a failure to update my personal information, actions that constitute a violation of my consumer rights and the Fair Credit Reporting Act ( FCRA ).

Background and Immediate Issues : Account and Reporting Details : The account with Nissan has been inaccurately reported with late payments. This misreporting is not only erroneous but has unjustly impacted my credit score and financial standing.

Failure to Record Updated Address : Despite proactively informing Nissan of my change of address following a significant incident of mail theft, they have failed to update their records accordingly. This neglect has led to misdirected communications and contributed to the inaccurate late payment reporting. 
Identity Theft and FCRA Violations : Unauthorized Actions and Identity Theft : As per the U.S. Department of Justice 's definition, identity theft involves unauthorized use of personal information. The failure of Nissan to update my address, coupled with the reporting of late payments, aligns distressingly with such a definition, suggesting a misuse of my personal information without my consent. 
FCRA Standards Violation : Accurate and fair reporting of credit information is a cornerstone of the FCRA. The actions by Nissan, marked by negligence and misreporting, are in blatant violation of these standards. 
Key Concerns and Legal Implications : Disputed Late Payments : The late payment entries on my account have been disputed and acknowledged as meeting FCRA requirements. However, the lack of resolution is deeply concerning and indicative of Nissan 's non-compliance.

Increased Vulnerability to Fraud : The continuation of sending sensitive information to an outdated address, particularly after my notification, significantly heightens my risk of identity theft and financial fraud.

Emotional and Psychological Toll : Beyond Financial Damage : The mishandling of my account by Nissan has inflicted significant emotional and psychological distress, exacerbating the sense of being victimized by their systemic failures. 
Demand for Immediate Corrective Action : Rectification of Credit Report : I demand the immediate deletion of the false late payment entries from my credit report and the acknowledgment of my updated address information. 
Call for Accountability : The negligence and apparent identity theft actions by Nissan necessitate your urgent intervention. Their failure to adhere to FCRA guidelines and protect my consumer rights should be met with appropriate repercussions. 
Your immediate attention to this matter is imperative. The resolution of these issues is not only critical to my financial well-being but also to the integrity of consumer rights protections.

Company response to consumer: Closed with explanation