Consumer complaint received 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and/or its affiliated finance arm for violations of the Fair Credit Reporting Act ( FCRA ), specifically related to unauthorized and excessive credit inquiries made without permissible purpose or post-dispute justification. 

In XXXX, my credit report showed XXXX hard inquiries from XXXX XXXX XXXX, despite the fact that I did not apply for credit XXXX times, nor authorize such volume of inquiry activity. This caused a severe drop in my credit score and contributed to downstream harm, including being locked out of quality credit opportunities.

I retained a professional service ( 60 Day Credit Repair ), and through their dispute efforts, the number of inquiries was reduced to 14 and ultimately removed. This demonstrates that the inquiries lacked sufficient justification and should never have occurred in the first place. 
XXXX SALES TACTICS THAT CREATED THE POISONED ROOT : Excessive Credit Inquiries ( XXXX total ) : Multiple hard inquiries run without clear disclosure or consent. 

Often done across multiple lenders to shop the loan but without explaining the impact on your credit. 

Violation of FCRA 604 ( a ) ( 3 ) if no permissible purpose was established.

Bundled & Coercive Extended Warranty Add-On ( Endurance/Mepco ) : High-cost extended warranty pushed during sale. 

Presented as essential or required for financing. 

Caused long-term financial entrapment, including recurring charges and inability to cancel easily. 

Misleading Use of Military/Veterans Discount : Offer of veterans or military discount used as a hook. 

Possibly used to gain trust or commitment, then offset with hidden dealer fees or inflated financing terms. 

Bait-and-switch mechanism dressed as appreciation. 

Push for In-Person/Phone Resolution After Complaint : Emails and voicemails confirm XXXX insisted you come into the dealership or speak by phone to discuss a good deal.

Avoided written communication, undermining any paper trail or formal resolution under FCRA 611 ( a ). 

This tactic delayed resolution and avoided accountability. 

Failure to Address or Acknowledge Formal Credit Dispute : You contacted them through XXXX, possibly CFPB, and directly. 

They responded with vague messages or calls but never marked the account or inquiries as disputed, as required under FCRA 623 ( a ) ( 3 ).

Dealership-Oriented Financial Pressure / Misrepresentation : Presented financing as urgent or limited-time ( get in now ).

Limited time to review loan details or contract language. 

Possibly signed you onto a higher XXXX loan than qualified for, triggering future debt spiral. 

IMPACT : XXXX of the XXXX XXXX XXXX of the above tactics originated from the same bad-faith sales process one that planted false impressions and false credit signals into your report, which continued to infect your financial outcomes long after. 

Despite the removal, the damage was already done. My score was suppressed during critical months and years, pushing me toward predatory credit cards, high-interest signature loans ( 30 % + APR ), and a cascading debt cycle. This is consistent with injury caused by FCRA violations under 604 and 607 ( b ). 

Furthermore, I reached out to XXXX in XXXX ( Case # XXXX ) and received voicemail replies and XXXX email requesting a callback, but no formal reinvestigation, no resolution in writing, and no documentation of justification was ever provided. This violates FCRA 1681s-2 ( b ), which requires proper dispute response, especially when inquiries impact a consumers creditworthiness. 

Legal Addendum for CFPB Complaint : Although most of the XXXX XXXXrelated credit inquiries eventually fell off my credit report due to time-based expiration ( typically 2 years under the FCRA reporting window ) XXXX this does not erase the harm they caused during their presence. 

These inquiries were : Generated without proper disclosure or permission Disproportionate and excessive Left on my report long enough to damage my score and prevent credit access Never marked as disputed despite my direct outreach and formal attempts at resolution Their existence poisoned the root of my credit history, creating a false perception of instability. The damage did not disappear with time it launched a long-term chain reaction : poor financing terms, 30 % + APR credit cards, subprime loans, and long-term denial of economic opportunity.

Company response to consumer: Closed with explanation