Consumer complaint received 2017-12-23
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, the current debt from Nissan Motor Acceptance was {$12000.00}. On this date my attorney settled the debt for {$3800.00}. I have my legal documents from my attorney who worked with XXXX XXXX XXXX ( Debt Collection Company Nissan Motor Acceptance used ) to settle this debt with Nissan, which on the documents it states to pay $ XXXX  on XX/XX/XXXX, and at the end of each month I pay {$160.00}. I 've made every payment on time through my bank for proof it was paid on the agreed dates. At this time my current debt with Nissan Motor Acceptance should only be {$1500.00}. This is taking into account my payments for XX/XX/XXXXand XX/XX/XXXX I paid each month early to XXXX XXXX XXXX like the agreement states.

I disputed the balance of {$10000.00} on my credit report in XX/XX/XXXX with XXXX I sent in my document from my attorney and XXXX XXXX XXXX  to show XXXX proof that the debt was settled for {$3800.00}. Today, XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX stating that my credit report has been updated regarding the dispute, however ; it still reflects the incorrect balance of {$10.00}, XXXX. I called XXXX today XX/XX/XXXXand I was advised that Nissan Motor Acceptance refused to update the balance. I asked if Nissan Motor Acceptance sent in any documents to dispute my claim and I was advised that they had not. The original balance of {$12000.00} has been clearly subtracted from the $ XXXX I paid inXX/XX/XXXX and the {$160.00} I paid in XX/XX/XXXX which is my agreed upon amount per my documents from my attorney and XXXX XXXX XXXX through Nissan Motor Acceptance. It does not reflect my payment of this month of {$160.00} which is understandable, because I just made that payment onXX/XX/XXXX.

It is my right as a consumer to have the correct information reported on my credit report. I 've tried to resolve this through XXXX  but their process and their customer service agents were always rude and never helpful. They only repeated themselves and had no solution or resolve. XXXX also keeps stating my current address in not reflecting on their credit report, however ; the credit report they sent todayXX/XX/XXXX that was dated XX/XX/XXXXreflects my current address. So it 's been like dealing with children that only read a computer screen and do NOT have any understanding of anything. Thus, I have not even attempted to dispute with the other credit reporting bureaus. I 'm working 10 hour days, 6 days a week and as a consumer I should not have to fight XXXX for information regarding my dispute or why my report has n't been updated. XXXX XXXX document dated XX/XX/XXXX clearly states my dispute information has been updated and it has not. That is misleading to the consumer and XXXX will not be helpful in giving an explanation as to why their document says one thing, but the REAL resolution on my credit report says XXXX is a lier.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation