Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I dispute the accuracy, completeness, and legal enforceability of the charged-off tradeline being furnished under Nissan Motor Acceptance XXXX for account XXXX. I do not admit this alleged debt is mine and do not admit any obligation is valid. The disputed tradeline is reported as a charged-off auto loan with significant derogatory coding and an alleged past-due balance. This reporting must be supported by competent business records and field-level furnishing evidence ( XXXX XXXX XXXX. If NMAC can not verify the accuracy, proper identity match, and lawful authority for this account, it must be deleted or corrected. 

What happened/ Why Im complaining 1. My consumer file reflects two separate NMAC account footprints : 2. An older NMAC auto-loan tradeline ( opened XXXX, closed XXXX ) reported as paid/closed/never late ; and A separate, newer NMAC tradeline on XXXX  for account XXXX opened XX/XX/XXXX reported as charged off and past due {$25000.00}. 

This creates a material risk of misattribution, mixed-file, or inaccurate furnishing, especially because the charged-off tradeline must be verified independently with contract-level records, a full ledger, DOFD support, and XXXX XXXX field-level transmission proof. 

Disputed issues ( charged-off account XXXX ) 1. Identity match / attribution is disputed ( possible mixed-file or misassociation ) I dispute that the charged-off tradeline ( acct XXXX ) is correctly attributed to me and accurately matched to my identity. 

2. Standing/ authority is specifically disputed ( core dispute ) I dispute that NMAC has demonstrated lawful authority to report and/or collect on this alleged account. If any portion of this account was assigned, placed, transferred, securitized, serviced, or otherwise handled by third parties, NMAC must identify the current owner and provide written authority establishing who has the right to enforce and who has the right to furnish data for this specific account. 

3. Amount accuracy / accounting is disputed I dispute the alleged balance/past-due amount. NMAC must provide a complete account-level ledger and itemization supporting every amount furnished ( principal, interest, fees, credits, payments, adjustments, and any repossession/remarketing/insurance offsets if claimed ). 

4. Status/date field integrity is disputed ( including DOFD logic ) I dispute the accuracy and completeness of all status and date fields, including : status/pay status codes, charge-off code and timing, charge-off date, last payment date, date updated, delinquency history logic, and Date of First Delinquency ( DOFD ) used for CRA reporting and obsolescence calculations. 

5. XXXX XXXX/ standardized furnishing integrity is disputed ( field-level proof required ) Credit reporting is transmitted using standardized data fields commonly referred to as XXXX XXXX XXXX NMAC must produce the field-level furnishing snapshot for this tradeline showing exactly what was transmitted and the basis for each disputed field. 

6. Do not fix by expanding reporting This complaint is not permission to expand derogatory reporting to other consumer reporting agencies. The proper remedy for inaccurate or unverifiable data is correction or deletion, not expansion. 

Laws and duties implicated -Regulation V Direct Disputes : 12 C.F.R. 1022.43 ( requires a reasonable investigation of a direct dispute to a furnisher ). 

-FCRA Furnisher duties : 15 U.S.C . 1681s-2 ( duty to furnish accurate and complete information ; dispute handling and investigation duties ; dispute notation where applicable ; and investigation duties after CRA notice ). 

Documents demanded ( legible copies only no summaries ) A. Contract + identity linkage 1. The original contract/application and all governing disclosures/terms for the alleged account XXXX. 

2. Records showing the identity match basis used to attribute this tradeline to me ( the specific identifiers relied upon ). 

B. Full accounting and timeline proof 3 ) Complete account history/ledger from opening through present ( charges, payments, credits, interest, fees, adjustments ). 
4 ) Full itemization supporting the alleged balance/past-due amount and any charge-off amounts. 
5 ) Source records supporting DOFD, last payment date, charge-off date, and delinquency history/payment grid logic. 

C. Standing / ownership / transfers 6 ) Written confirmation of the current owner/creditor of the alleged receivable for XXXX. 
7 ) Chain of title showing every assignment, sale, transfer, placement, or change in ownership/servicing for this specific account, including account-level schedules/identifiers tying XXXX to each transfer. 
8 ) The applicable forward flow agreement ( and amendments/schedules/exhibits/purchase attachments ) governing any sale/assignment pipeline that could include this account, together with account-level inclusion proof for XXXX. 
9 ) If NMAC claims servicer/agent status : the servicing/authorization instrument showing authority to furnish and/or collect for this account. 

D. CRA furnishing proof ( XXXX XXXX ) + method of verification 10 ) The bureau-by-bureau furnishing snapshot for this tradeline showing exactly what was transmitted, including : account status/pay status codes, balances, past due, charge-off amount, DOFD, date updated, remarks/special comment codes, payment history logic, dispute indicators, and furnisher identifiers.

11 ) The XXXX XXXX field-level data transmitted for this tradeline. 
12 ) The method of verification used for each disputed field ( records reviewed + department responsible ). 

Harm This adverse tradeline is materially harmful because it affects credit decisions and the accuracy of my consumer file. Reporting that can not be verified with competent records and field-level furnishing proof must be corrected or deleted. 

Nothing in this complaint is an admission of liability or that any debt is mine. I reserve all rights and defenses.

Company response to consumer: Closed with explanation