Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
XX/XX/XXXX Re : Dispute of Inaccurate Account Information Account # XXXX of Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX Compliance Standards, and Related LawsDemand for Permanent Deletion, Cease and Desist, and Compensation Dear XXXX XXXX XXXX XXXX XXXX Department : This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding the inaccurate and incomplete reporting of my closed auto lease account ( Account # XXXX ) to XXXX XXXX XXXX XXXX. As the furnisher of this information, you are legally obligated under 15 U.S.C. 1681s-2 to provide accurate, complete, and verifiable information to consumer reporting agencies ( CRAs ). Your failure to do so constitutes multiple violations of federal law, including but not limited to inaccurate delinquency reporting, omission of progressive late payment notations, incorrect Date of First Delinquency ( DOFD ), and submission of unverified data via the e-OSCAR system without original documentation or a reasonable investigation.

All actions taken in response to this dispute are performed WITHOUT PREJUDICE under Uniform Commercial Code ( UCC ) 1-308, reserving all my rights to contest the validity of any alleged obligations while demanding compliance with applicable laws. 
Account Details and Specific Inaccuracies * Account Type : Installment Auto Lease ( reported as closed on XX/XX/XXXX ). 
* Date Opened : XX/XX/XXXX. 
* High Credit : {$12000.00}. 
* Current Balance/Past Due : {$0.00}. 
* Payment Status : Reported as Paid or paying as agreed on TransUnion ; Paid, was past due 30 days on XXXX XXXX  Pays account as agreed on XXXX 
* Date of Last Payment : Varies ( XX/XX/XXXX on XXXX XXXX XX/XX/XXXX on XXXX XXXX XXXXXX/XX/XXXX on XXXX XXXX 
* Date Last Active : XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX 
* Comments : LEASE-EARLY TERMINATION / MERCHANDISE RETURNED BEFORE THE END OF THE TERM.

* Payment History ( Extended ) : Shows only 30 notations across XX/XX/XXXX and prior months on all bureaus, with no OK or current statuses preceding them. Critically, no 60-, 90-, 120-, or 180-day late notations appear, yet the account reflects a severe 180-day delinquency without progressive buildup. This is impossible under standard delinquency progression and Metro 2 guidelines.

These reports are inaccurate, incomplete, and unverifiable, causing demonstrable harm to my credit score, financial opportunities, and emotional well-being ( e.g., denied credit applications and increased interest rates ). Enclosed/attached are copies of my credit reports from Equifax, Experian, and TransUnion dated XXXX insert recent date ], along with payment records confirming timely payments until early termination. 
Violations of FCRA ( 15 U.S.C. 1681 et seq. ) 1. Inaccurate and Incomplete Reporting ( 1681s-2 ( a ) ) : You furnished false delinquency data, including a 180-day late status without supporting 30-, 60-, 90-, or 120-day notations. Metro 2 compliance requires sequential reporting of delinquencies based on the first 30 days past due leading to the DOFD. Your omission violates the duty to report complete and accurate information. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( furnishers liable for failing to conduct reasonable investigations into disputed inaccuracies ). 
XXXX. Incorrect Date of First Delinquency ( DOFD ) ( 1681c ( a ) ( 1 ) ) : The DOFD is erroneously reported, extending the reportable period beyond the 7-year limit for negative information. Accurate DOFD must reflect the first time the consumer was 30 days past the due date that led to the status being reported under XXXX XXXX and FCRA guidelines. This violation re-ages the account illegally. See XXXX U.S.C. 1681c ; Consumer Financial Protection Bureau v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( unverifiable DOFD must be deleted ). 
XXXX. Failure to Conduct Reasonable Investigation ( 1681s-2 ( b ) ) : Upon prior disputes, you failed to review all submitted information, including payment proofs, and instead relied on automated e-OSCAR verifications without original documents. FCRA requires a real investigation, not mere confirmation. Rule 1002 ( Federal Rules of Evidence ) mandates original documents for verification ; copies or automated checks are insufficient. No method of verification was provided to me, violating your duty. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( furnishers must delete unverified information after reasonable inquiry ). 
4. e-OSCAR Automated Dispute Failures ( 1681i ( a ) ) : Data was uploaded via e-OSCAR without verification, reducing my detailed dispute to a generic code, excluding supporting documents. This messenger service approach violates CRAs and furnishers independent duties. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( automated responses without review are unreasonable under FCRA ). 
XXXX. Reinsertion of Deleted Information ( 1681i ( a ) ( 5 ) ( B ) ) : Any prior deletions were reinserted without certification of accuracy, a willful violation. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Violations of FDCPA ( 15 U.S.C. 1692 et seq. ) As a furnisher engaging in debt collection via credit reporting, you are subject to FDCPA.

1. False or Misleading Representations ( 1692e ) : Reporting a fabricated 180-day delinquency without progressive lates misrepresents the account status, overshadowing my right to dispute. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( inaccurate credit reporting is deceptive ). 
XXXX. Failure to XXXX XXXX ( XXXX ( b ) ) : You continued reporting without providing validation upon dispute, including original lease documents and payment ledgers. 
XXXX. Unfair Practices ( XXXX ) : Placing unverified negative information harms my credit without basis. 
XXXX XXXX and OCRA Compliance Violations * Account Status Code Errors : Closed accounts must use Code XXXX ( Closed, XXXX balance ) with accurate Payment Rating ( e.g., XXXX if current at close ). Your XXXX ratings without progression violate XXXX XXXX Base Segment requirements for installment accounts. See XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Resource Guide ( XXXX XXXX. ) ( delinquencies must be sequential ; DOFD ties to first XXXX miss ). 
* OCRA Standards : As an automated compliance tool, XXXX requires verifiable data transmission ; your e-OSCAR uploads bypassed this, failing to ensure clearly and conspicuously accurate reporting under 15 U.S.C. 1666b ( timing of payments ). No 21-day statement delivery grace or 5 p.m. due-date cutoff was honored, per 12 CFR 1026.13 and 15 U.S.C. 1637 ( b ).

* Notice Requirement ( 1681s-2 ( a ) ( 7 ) ) : No pre-furnishing notice of negative information was provided. 
Additional Violations * XXXX XXXX ( XXXX XXXX. XXXX ) : Electronic submission of misleading data via e-OSCAR constitutes wire fraud, as it was done knowingly to execute a scheme harming my credit. See United States XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ( elements : scheme to defraud via interstate wires ). 
* Timing of Payments ( 15 U.S.C. 1666b ) : Late fees/delinqencies were imposed without reasonable procedures for timely statements or postmarked payments.

* Furnisher Duties ( 1681s-2 ( a ) ( 1 ) ) : No guidelines followed for accuracy/integrity. 
Demands 1. Immediate Permanent Deletion : Delete all tradelines, lates, and DOFD from my files at Equifax, Experian, and TransUnion within 30 days ( extendable to 45 if new info provided ). Provide written confirmation and updated reports.

2. Cease and Desist : Immediately cease all debt collection activities, communications ( phone, internet, email, mail ), and further reporting under FDCPA 1692c ( c ) and FCRA 1681s-2 ( b ).

3. Compensation : Pay {$5000.00} in statutory damages ( 1681n ( a ) ), actual damages ( e.g., [ list specifics : higher interest rates, denied credit ] ), and punitive damages for willful violations.

4. Method of Verification : Provide the exact method used to verify this account, including original documents ( not copies ), per 15 U.S.C. 1681s-2 ( b ) and FRE 1002.

5. Investigation Report : Detail your full investigation, including reviewed documents and e-OSCAR codes used.

Failure to comply will result in a lawsuit in federal court for actual/statutory/punitive damages, attorney fees ( 1681n/o ), and
referral to CFPB/FTC/DOJ. Respond within 30 days to avoid escalation.

Company response to consumer: Closed with explanation