Consumer complaint received 2020-09-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This complaint is regarding NISSAN INFINIT FINANCIAL SERVICES. 

In XX/XX/XXXX I filed a dispute report regarding missing data on my Nissan Infiniti Account for the month of XXXX and XX/XX/XXXX. 

I took the appropriate steps and filed an online dispute through XXXX services and filed the report with the finance company ( Nissan Infiniti ). 

The file and dispute were updated late XXXX ... .HOWEVER the file was updated incorrectly and now reflects additional missing data for the months of XXXX, XXXX, XXXX, XXXX, XXXX. The reports read payments as " no data '' In XXXX, I applied for the XXXX XXXX loan due to Covid related hardships and was denied because of credit. I was told that I could apply again but needed to show XXXX payment and any other additional on time payments. 

I began to make a plight ( 30+ ) of phone calls both to Nissan Infiniti and XXXX to drill down on who was at fault and express my sense of urgency. Nissan Infiniti 's supervisor and team has handled the matter very professionally calling me back reassuring me that my credit was being reported properly to all 4-credit bureaus and assured me this was an error on the reporting agency side. In addition to XXXX, I have reviewed XXXX   and XXXX  and both reports are incorrect. The reporting is absent on XXXX   and has not been reported since XXXX on the other. 

On XX/XX/XXXX I called once again, and an XXXX supervisor expressed that she saw the payments reported from Nissan Infiniti and that it was a " technical '' issue and XXXX was at fault. She suggests that I open up an " escalation '' ticket to get the problem resolved within 3-5 business day. After waiting one week with no results, I started to call again and have been yelled at,  hung up on and promised that the problem would be fixed within 30 days. As of today XX/XX/XXXX, the missing data is still reflective on my account and no one at XXXX  is sure how to fix. 

On XX/XX/XXXX, A notation on my Infiniti report appeared payment deferred as of XX/XX/XXXX. 

On XX/XX/XXXX my XXXX credit reporting still reflected no data for my on-time payment history for XXXX, XXXX, XXXX and XXXX. I placed a call to XXXX and Nissan Infiniti finance. 

The call with XXXX- I spoke with a dispute Supervisor XXXX of the XXXX XXXX. XXXX informed me that despite being told a number of XXXX representatives and supervisor, Infiniti Finance had not reported any payment for the aforementioned months. He advised me to reach out to Infiniti and have their credit department call XXXX Corporate Credit File Services at XXXX. 

Later that day I call Nissan Infiniti and spoke with a customer service representative XXXX XXXX who notated that she was not sure why Nissan has not reported my payments. She opened a Sr. Report file with report # XXXX and sent an email to her supervisor XXXX XXXX with an attempt to have XXXX XXXXXXXX reach out to Infiniti credit department and to get the problem resolved and connect with XXXX Corporate Credit File Services . As of today, 60+ days since my initial complaint, my payment history is still not accurate on any of the credit bureaus.

Company response to consumer: Closed with explanation