Consumer complaint received 2019-04-05
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 (AL)

I was contacted in early XX/XX/XXXX to do an early-lease turn in/trade by XXXXXXXX XXXX of XXXX, VA, which is where I purchased/leased the vehicle in question. ( NOTE : That loan/lease started in XX/XX/XXXX and would mature XX/XX/XXXX ). After several " over-the-phone '' discussions, a deal was reached toward the end of XX/XX/XXXX, to which the dealership and Infiniti Financial Services ( IFS ) agreed, along with myself. Because I live in Alabama and the dealership is in VA, the new truck had to be shipped, which ended up taking about 2 weeks for me to receive from that dealership. It was agreed that all payments for the old truck ( including any existing payments, property taxes, fees, etc. ) would be paid to IFS from the deal and that I was no longer individually responsible for making any more payments to IFS on the old truck and that I could continue to drive it until I receive the new  truck. I was specifically told ( & provided a letter ) that I did not have to worry about the remaining payments ( XXXX through XXXX ). In mid-XX/XX/XXXX, I had been in the process of buying a home at the time and my mortgage guy discovered that IFS was reporting me late to all three credit bureaus for XX/XX/XXXX. I contacted IFS and after several attempts at correcting this error, finally got a letter from IFS stating the XX/XX/XXXX should be removed. I'd also received a voicemail from XXXX XXXX of IFS stating they were using the XX/XX/XXXX as the ground date of the lease turn in and have in fact sent a correction to the credit bureaus. Thinking that was the end of the situation, I continued to meet other obligations in the home buying process but was told we'd have to re-pull credit in order to ensure the IFS account updated accordingly. Well low & behold, in early XX/XX/XXXX when my mortgage guy re-pulls credit, IFS is now reporting me late forXX/XX/XXXX. I immediately contacted IFS via phone on XXXX and was told to forward an email of what I was seeing on my credit report. I sent the snapshot to " XXXX XXXX '' of IFS and he stated he'd look into it and get back to me. I never heard back. I then contacted IFS again on XXXX, this time with the dealership ( XXXX XXXX, GM ) on the line with me. We spoke with XXXX XXXX of IFS  and he asked me to forward a copy of the snapshot to him, which I did and he said he'd handle the matter. He sent me a letter, but it only addressed the XX/XX/XXXX late payment removal, not the XX/XX/XXXX removal. Since then, I've called IFS again on XXXX only to be told there's nothing additional they can do. Further, I've been in contact with Infiniti Consumer Affairs almost weekly since mid-XXXX trying to get the matter resolved but to no avail. Together, myself, Infiniti Consumer Affairs and then myself & the dealership ( XXXX XXXX, XXXX XXXX, GM ) spoke with IFS and the IFS Lease-End Dept. on XX/XX/XXXX. They informed us that the ground date they were using is XX/XX/XXXX.  As I explained, even if that's the case ( which was not the agreement ), I still would not be considered late as my actual due date is the 15th of the month, with a 15-day grace period. XXXX, the floor supervisor, asked for my number and promised that he'd look into the matter and call me back. I have yet to hear back from him or IFS. Again, I ask, why would IFS  be reporting me late on a vehicle I timely turned in and that I in fact did not even own any longer??? 

Needless to say, by now, I am literally livid with Infiniti and worn out from all of this, not to mention have lost my ability to qualify for a home. Thus, I filed a complaint with the XXXX XXXX XXXX. IFS responds to that compliant stating they addressed the XX/XX/XXXX error but also says they did NOT report me late for XX/XX/XXXX. This is clearly incorrect as it is clearly shown on 2 of the 3 credit bureaus ( XXXX & XXXX ) reports that IFS is reporting me late for XX/XX/XXXX. How are they reporting me late to two bureaus and not the other? I have a snapshot of the response that IFS sent to the XXXX   denying reporting me late. I also have a snapshot of my credit report showing clearly that they are reporting me late for XX/XX/XXXX. I simply want this matter resolved, which has always been my position, particularly because this has affected my LIVELIHOOD - I can't even get financed now to purchase my home!!!