Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC

Complaint:
In a previous complaint number XXXX dated XX/XX/XXXX I had this to say in regards to Nissan Motor XXXX : Around the XXXX of XXXX I have been closely looking at my credit report as I was making extra payments to pay off my auto loan with Nissan Motor XXXX. It was around that time that I was noticed that my credit report was not reflecting the payments that were being made. After contacting the company the advised me to start a dispute and that would get it straight. However, two additional phones were needed weeks later in order to correct the problem. As I move to early XXXX I paid off my debt completely. After weeks of not seeing the report I decided to launce another dispute on XX/XX/XXXX. On a recorded line with XXXX  I was told that Nissan had not reported payments from XX/XX/XXXX until XX/XX/XXXX. My complaint is Nissan Finance XXXX  has not been reporting my payments as they should. The Fair Credit Reporting Act promotes FAIR CREDIT REPORTING. It is not fair that they have reported all the bad stuff, but not all the good stuff. They are responsible for some damage to my credit report. I would like CFPB to obtain the the exact history of Nissan Finance XXXX credit reporting times. If it is determined that they are in violation. I will be seeking a legal complaint in the necessary court of law. 
Their response was this : Dear Consumer Financial Protection Bureau : Nissan Motor Acceptance Company ( NMAC ) is in receipt of XXXX XXXX complaint regarding their grievance on XX/XX/XXXX. 
We researched their concerns and respond as follows : On XX/XX/XXXX, XXXX XXXX contacted NMAC claiming that the balance reporting on their credit report was not correct. NMAC explained they would need to file a written credit dispute. 
On XX/XX/XXXX NMAC received and responded to an electronic credit bureau dispute from XXXX that the account is reporting accurately as open, current, 3x30 ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) with a {$4900.00} balance. 
On XX/XX/XXXX NMAC received and responded to an electronic credit bureau dispute from XXXX  that the account is reporting accurately as open, current, 3x30 ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) with a {$5000.00} balance. 
On XX/XX/XXXX, NMAC received a {$1600.00} payment, which paid and closed the account. 
On XX/XX/XXXX, NMAC received and responded to an electronic credit bureau dispute from XXXX  that the account is reporting accurately as closed, paid in full, 3x30 ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), with a XXXX  balance. XXXX confirmed with each of the credit bureaus the following information : o XXXX  was reporting the account closed o XXXX  was reporting the account open o XXXX  was reporting the account closed NMAC submitted an update to report the account closed and paid in full, 3x30. 

This response does not address the greater issue. Did Nissan Motor Acceptance XXXX fail to report payments from XXXX XXXX until XXXX? Nissan should show proof they made reported these on time payments AT THE TIME OF PAYMENT. I am asking CFPB to force Nissan to produce proof as to the claim being false or to furnish an written reason as to why they failed to do so.

Company response to consumer: Closed with explanation