Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Nissan falsely reported to credit agencies that my account was delinquent. The vehicle in question was no longer in my possession I leased a XXXX XXXX XXXX XXXX # XXXX in XX/XX/XXXX. On XX/XX/XXXX I sold my vehicle to XXXX XXXX in XXXX XXXX, CA. The purchase price was the remainder owed on my lease ( XXXX ) + ( {$47.00} ). This vehicle is currently in their inventory and is XXXX XXXX Stock # XXXX. The lease end date was in XXXX. I had paid my dues until this date, and expected that the dealership would pay off the loan as the salesperson and I had discussed. I gave XXXX XXXX my XXXX account information at the time of sale, and was never contacted by XXXX XXXX again following the sale. 

XXXX XXXX failed to pay off my lease, and in early XXXX I began receiving calls randomly with no voicemail. I can not get my phone records from XXXX, because I never picked up these phone calls. XXXX refuses to tell me exact dates, or whether voicemails were made in order to contact me. I have explained to XXXX that I work overnight shifts, and I was typically asleep during the times I received these phone calls. Like most people when I see XXXX phone numbers, I just assume they are SPAM calls. In XXXX my work closed down for several weeks because of a Covid-19 outbreak. I was finally was able to get in touch with XXXX during this time during XXXX of their random phone calls. I informed them of the sale date, and even gave them the phone number of the car dealership. I offered to send them the paperwork to show that the sale date was accurate, and that I had not been at fault for this issue. They were finally paid by XXXX Motorcars on XX/XX/XXXX. 

XXXX has since reported to all major credit agencies that I have a delinquent account, which has made my credit score so low that I am now having trouble finding a place to rent. I have called XXXX several times and from what I am told the only way they would consider reversing these false reports is to have the dealership write me a letter accepting blame for the non-payment. I have offered to provide the transfer of liability, as well as credit card statements showing that I paid XXXX XXXX on the sale date the extra amount negotiated for the transfer of the vehicle. They have told me on several interactions that this was entirely my fault, and I can only resolve this with a letter from the car dealership. 

This is very frustrating, and honestly I have never been so disgusted with a financial institution. It is pretty obvious that this was whole situation is the result of non-payment by the car dealership, and throughout this process I never received an email, or letter by mail from XXXX. Their customer service representatives refuse to help me, and have given me the address of XXXX Credit Bureau Disputes as my only chance at resolution. There is no guarantee they will even fix this, and I have now been told several times that this is " a totally common occurrence for customers. '' If this issue happens so often why is this process so muddled and confusing to navigate. I have had several customer service representatives tell me different ways to navigate this issue, and I do not understand why I am unable to just show proof of transfer via XXXX paperwork. My only hope of repairing my credit is relying on the car dealership who purposely withheld payment knowingly as a means to save money. It is very obvious that this is a tactic that many dealerships use to essentially extend a line of credit without any responsibility being placed on themselves. The sheer acknowledgement from XXXX that this is a common occurrence tells me that this is a known practice.