Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I am filing a complaint regarding multiple accounts reporting inaccurately on my credit report. Several accounts contain incorrect information, outdated derogatory records, inflated balances, and accounts that do not belong to me. These errors violate the Fair Credit Reporting Act ( FCRA ), specifically 602, 604, 607, 609, 611, and 623. I am requesting investigation, correction, and deletion where required by law. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX ) The vehicle was involved in a major car crash and was not fixable. 

After the crash, the account should have been properly adjusted as insurance total-loss or deficiency balance reviewed accordingly. 

The currently reported balance is inaccurate and does not reflect the post-accident status of the account. 

Reporting late payments during months when the vehicle had already been declared non-operational is inaccurate. 

My request : Investigate, provide full documentation of balance calculation after crash, and correct or delete the charge-off. 

XXXX. XXXX XXXX Repossession The reported balance varies significantly between bureaus ( XXXX  reports {$14000.00} while others show ~ {$6400.00} ). 

This is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ) requiring consistent and accurate reporting across all bureaus. 

I dispute the balance as incorrect and inflated. 

My request : Provide verified accounting breakdown and correct or delete the inaccurate derogatory status. 

XXXX. XXXX XXXX XXXX Collection Account ( {$10000.00} ) I never signed the original lease for this apartment. 

This account dates back to approximately XXXX, which is well outside the legal reporting period of 7 years for collections. 

Under FCRA 605 ( a ), collections older than 7 years must not appear on a consumer credit file.

Current reporting is illegal and has already caused significant harm. 

My request : Immediate removal from all bureaus due to outdated and unverifiable information.

XXXX XXXX XXXX Charge-Off ( from XXXX ) This account is from XXXX, more than XXXX XXXX XXXX. 

It is being reported improperly and in violation of FCRA 605 ( a ).

The date of last activity is XXXX  only because the furnisher re-aged the accountthis is illegal. 

Re-aging accounts to extend derogatory reporting time violates FCRA 623 ( a ) ( 5 ).

My request : Immediate deletion for exceeding legal reporting limits.

XXXX XXXX XXXX XXXXXXXX ( {$720.00} ) This account does not belong to me. 

I have never had an account with this creditor or the original creditor XXXX XXXXXXXX XXXX XXXX XXXX. '' There has been no documentation or validation provided. 

Reporting an account without consumer authorization violates FCRA 602 and FDCPA 807.

My request : Provide full validation or delete immediately. 

XXXX. XXXX XXXX Collection ( {$340.00} ) I never signed up for XXXX XXXX. 

This account is fraudulent and falsely placed as a collection. 

No contract, membership, or signed authorization exists. 

Reporting unauthorized accounts violates FCRA 623 and FDCPA 809.

My request : Remove immediately unless the furnisher can provide a signed membership agreement. 

Excessive Inquiries There are numerous inquiries from auto dealerships where they ran my credit multiple times without my consent. 
This is a violation of FCRA 604 and represents unauthorized access to my consumer report.

I request that the CFPB review the inquiry pattern and direct the bureaus to remove any inquiries that can not be verified as authorized by me.

Company response to consumer: Closed with explanation