Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

PLEASE READ BECAUSE CLAERY YOU DIDNT READ STATING " XXXX is unable to investigate XXXX XXXX most recent credit dispute allegations, because they did not provide information to us as to why our credit reporting is inaccurate. 
We ask that they provide, among other things, the specific information that they are disputing along with an explanation for the basis of the dispute '' WHEN ALL THE ATTACHMENTS ARE ATTACHED TO THIS COMP. PLEASE RE-READ THIS AND FIGURE IT OUT IT DOESNT TAKE A ROCKET SCIENTIST ITS IN 1ST GRADE GRAMMAR AND COMPREHENSION. YOU ALSO NEVER SUBMITTED " we are providing a copy of the contract and payment history '' PLEASE DO SO!!!!!!! THE LATE PAYMENTS ARE AS FOLLOWS XXXX - XXXX DAYS LATES XXXX - 30 DAYS LATE THEN YOU STATED YOU ARE " In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX is required to accurately furnish account information and reports on accounts to the credit reporting agencies '' AS THIS IS FALSE AND EXPLAINED WHY BELOW YOU HAVE TO OPEN YOUR EYES AND READ!!!!!!!!!!!!!!!!!! 

YOUVE ALSO STATED " XXXX has reviewed XXXX XXXX complaint and the attachments ; however, there is no police report. XXXX XXXX will need to resubmit a complete ID Theft Affidavit along with a completed police report, for XXXX to further investigate '' THIS IS ALSO FALSE!!! 
AS I ATTACHED AN FBI POLICE REPORT ABOUT XXXX 'S ACTIONS NOT ONCE BUT TWICE XXXX DID NOT READ THE COMPLAINT AND REVIEW THE DOCUMENTS THOROUGHLY. 


THEN YOU ALSO STATED " On XX/XX/2023, XXXX received a notice from XXXX XXXX claiming fraud ; this claim was investigated and denied. Additionally, XXXX mailed them a response letter advising that there was no substantial evidence pertaining to fraud on XX/XX/2023. 
We will continue to hold XXXX XXXX contractually liable for this debt. A copy of the denial letter is included for review '' IVE ATTACHED A COPY OF THE RESPONSE YOU PROVIED TO THE CFPB NO DENIAL LETTER WAS ATTACHED!!!!!! Upon review of the correspondence between XXXX and the CFPB, it is evident that XXXX misrepresented the inclusion of crucial documents specifically, a copy of a " denial letter '' and a detailed " contract and payment history ''. These omissions are not only misleading but breach several federal laws : Violation of the Dodd-Frank Act : The Dodd-Frank Wall Street Reform and Consumer Protection Act prohibits unfair, deceptive, or abusive acts or practices. XXXXs assertion of including specific documents in its communication to the CFPB, and then failing to do so, appears to contravene these provisions, qualifying as deceptive practices. 

Violation of the Fair Credit Reporting Act ( FCRA ) : The FCRA mandates certain disclosures, including the requirement to provide a copy of a denial letter if a credit application is denied based on information in a credit report. The absence of such a letter in your communications is a clear contravention of this requirement. 

Violation of the Truth in Lending Act ( XXXX  ) : XXXX demands accurate disclosure of credit terms to consumers. The failure to provide a complete contract and payment history as part of your obligation under XXXX represent a significant legal breach. 

These actions not only breach federal regulations but also damage consumer trust and the integrity of financial transactions. I have gathered substantial evidence supporting these claims and am prepared to take further action to ensure compliance and accountability. 

I strongly urge XXXX to take immediate corrective actions. It is imperative for financial institutions to adhere to legal standards to uphold the rights of consumers and the integrity of the financial system. 

Please consider this letter a formal WARNING for a prompt and transparent resolution to this issue. I expect a response outlining the steps XXXX will take to rectify this situation BECAUSE I am compelled to lodge an urgent and serious complaint against XXXX for their mishandling of my credit account, resulting in erroneous late payment entries and a failure to update my personal information, actions that constitute a violation of my consumer rights and the Fair Credit Reporting Act ( FCRA ). Background and Immediate Issues : Account and Reporting Details : The account with XXXX has been inaccurately reported with late payments. This misreporting is not only erroneous but has unjustly impacted my XXXX XXXX and financial standing. Failure to Record Updated Address : Despite proactively informing XXXX of my change of address following a significant incident of mail theft, they have failed to update their records accordingly. This neglect has led to misdirected communications and contributed to the inaccurate late payment reporting. Identity Theft and FCRA Violations : Unauthorized Actions and Identity Theft : As per the XXXX Department of Justice 's definition, identity theft involves unauthorized use of personal information. The failure of XXXX to update my address, coupled with the reporting of late payments, aligns distressingly with such a definition, suggesting a misuse of my personal information without my consent. FCRA Standards Violation : Accurate and fair reporting of credit information is a cornerstone of the FCRA. The actions by XXXX, marked by negligence and misreporting, are in blatant violation of these standards. Key Concerns and Legal Implications : Disputed Late Payments : The late payment entries on my account have been disputed and acknowledged as meeting FCRA requirements. However, the lack of resolution is deeply concerning and indicative of XXXX 's non-compliance. Increased Vulnerability to Fraud : The continuation of sending sensitive information to an outdated address, particularly after my notification, significantly heightens my risk of identity theft and financial fraud. Emotional and Psychological Toll : Beyond Financial Damage : The mishandling of my account by XXXX has inflicted significant emotional and psychological distress, exacerbating the sense of being victimized by their systemic failures. Demand for Immediate Corrective Action : Rectification of Credit Report : I demand the immediate deletion of the false late payment entries from my credit report and the acknowledgment of my updated address information. Call for Accountability : The negligence and apparent identity theft actions by XXXX necessitate your urgent intervention. Their failure to adhere to FCRA guidelines and protect my consumer rights should be met with appropriate repercussions. Your immediate attention to this matter is imperative. The resolution of these issues is not only critical to my financial well-being but also to the integrity of consumer rights protections.