Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I have previously disputed directly with NMAC and the 3 individual credit bureaus. ( I am addressing all parties in this letter ) Nissan Motor Acceptance Corporation is where the information regarding my XXXX Nissan XXXX was established, and I am coming back to NMAC, to help resolve the ongoing discrepancies, inaccurate information, and to finally have my requests thoroughly addressed and fixed/corrected with the credit bureaus. 
The original issue was the credit bureaus were not reporting accurate information regarding status and payment history on my Credit Reports for my XXXX Nissan XXXX. The 3 Credit Bureaus have all verified with NMAC that I did not make any late payments or miss any payments, and I did confirm all 3 Credit Bureaus have updated my Credit Reports to reflect this information by adding some words, deleting some words, but only in the status and comment sections. Which are only surface updates/corrections, the information had not gone anywhere besides where it was inputted.

I so wish that this would have corrected the issues, but it has not. ( nothing was forwarded to all parties involved ) The information that was reported on my Credit reports is what is used to Calculate my Credit Score. If the Credit Reports had been updated and corrected to reflect the fact that I satisfied my obligation and made no late payments or missed any payments, my Fico Score, and my Vantage Score all should have been Recalculated to show my true Credit Score, and the Fico score and Vantage Score websites should have reflected the updates to my credit reports ( they do not ). At this point I am back to square one, because of all the inaccuracies and contradictory information. I am aware that the Fico score and the Vantage Score will vary slightly. Varying slightly would be fine, but The Fico scores website is showing Delinquencies and late payments for XXXX and XXXX, and No late payments or delinquencies for XXXX. The XXXX websites is showing Delinquencies and late payments. ( The comments on the actual credit report section of the website were updated, NO where else on Credit Report which has a few different sections regarding payment history and credit score ingredients were updated ). The XXXX website is showing No late payments and No Delinquencies. The XXXX website is showing my NMAC account for my XXXX XXXX under the adverse information section, indicating I have a delinquency. 
In fact, On XXXX website it indicates I made my last late/missed payment 5 years ago ( XX/XX/XXXX ). My XXXX Nissan XXXX was already returned to Nissan in XX/XX/XXXX, and the balance on the lease was paid in full, which means I was not on a Payment Plan, so I could not have made a late payment or missed a payment. I owed a balance due to mileage overage and taxes ( not monthly or lease payments ) I had called NMAC in early XX/XX/XXXX, to explain my situation, and had already made XXXX payments towards my mileage overage and was given the option to pay {$1000.00} to mark my account paid in full, which I paid immediately. 
I began this letter by saying, I am seeking NMAC assistance. Apparently, someone from NMAC reported to the 3 Credit Bureaus back in XX/XX/XXXX, that I had a delinquency and was late on payments for 30 + days and 60 + days. This is what I have been disputing all along, with NMAC and the 3 Credit Bureaus. The information NMAC has already provided to the 3 Credit Bureaus has Not been sufficient to properly correct the discrepancies I have requested to be fixed or the people at the 3 Credit Bureaus responsible for updating my credit report just assumed their updates to my Credit Report would generate to everyone and correct everything across the board ( it did not ).

The Corrections I have been requesting need to impact and go through the complete process of fixing my Credit Report. The Fico Score and Vantage score Companies need to be notified so the changes will populate in their systems. My Fico said they only make changes on credit reports and credit scores if they are informed by the Credit Bureaus, which means none of the Credit Bureaus are going through all the steps to make the updates populate throughout everyones data base? If any customer had a Foreclosure or Bankruptcy or anything negatively impacting their financial situation, the lenders and Credit Bureaus would have No problem making sure the damaging information gets passed along to Everyone. Just like you must contact certain people or departments @ Fico Score and Vantage Score to report positive or negative information regarding customers financial statuses/updates. Those same departments might not handle corrections, so asking, Fico score and Vantage Score who handles corrections might need to be done to have the Missed payments and Delinquencies removed, and my Credit Score to reflect my True Creditworthiness.