Consumer complaint received 2015-11-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Dear Consumer Financial Protection Bureau, My vehicle was recently evaluated by the lemon law. A case number was generated " XXXX ''. The car has had several lengthy repairs while the vehicle was not in my possession. Ultimately Infiniti has settled a claim and sent me a check for the damages. During the period while I was not in possession of the car, payments were not made. There was no communication between Infiniti and Infiniti financial. As a result of this the late payments were placed on my credit report. 

I have recently disputed the inaccuracies on my credit report posted by Infiniti Financial Cooperation and received an update letter from XXXX, XXXX XXXX and XXXX that my report has been updated and the inaccuracies remain. 

Per the credit reporting companies I can no longer dispute these late charges. I was told by the credit reporting agencies that the consumer is only allowed one dispute per claim. Per the credit reporting companies " if the creditor responds to the claims in question and verifies the claim as accurate on their system, the consumer can not secondarily dispute the inaccuracy. 

I have provided a bank statement indicating that the payments were made and have not exceeded the 30 day grace period provided by law. I additionally provided a check copy from Infiniti and a copy of the case which was settled indicating I was not liable for the late payments when I was not in possession of the vehicle. I have spoke directly with Nissan Infiniti consumer affairs and they have requested that the late payments be removed but this has not been communicated to Infiniti Financial. Additionally, my attempts to contact them both in writing, via attorney, and by phone have not resulted in the appropriate removal of the inaccuracies on my credit report. I am now liable on my credit report for delinquencies despite payments being made. 


Per the fair credit reporting act Infiniti the creditor in question is required to inform me that negative information has been placed on my credit report. They have not done this and continue to report a delinquent account status. In fact, when my vehicle was under lemon law investigation XX/XX/XXXX ; I was in contact with Infiniti and they informed me that despite the lemon law investigation and the vehicles repair, I would still have to make payments to avoid late fees which was contrary to what I was told by Infiniti consumer affairs. 

I have been a long customer with Infiniti and have a long credit history with them. I have never had delinquent payments. Contacting the consumer protection bureau is my last plea for assistance before taking formal legal action with Infiniti Financial. Infiniti financial is in direct violation of the fair credit reporting act as well as in violation of personal consumer rights. Their computer automated credit reporting without direct human oversight, inability to accurately inform consumers of reported delinquencies as well as posting late fees under account balance violate the laws sought to protect consumers. I would like Infiniti to reverse the inappropriately placed inaccuracies on my credit report as to avoid unnecessary legal action that is preventable with fair credit reporting practices. 

I appreciate all that you do for consumers and look forward to a prompt resolution to this claim. 

Sincerely , XXXX XXXX

Company response to consumer: Closed with explanation