Consumer complaint received 2026-06-07 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: FL

Complaint narrative:
In Reference to Acct # XXXX STATEMENT OF DISPUTE I am writing to formally dispute the accuracy of the deficiency balance being reported by Nissan Motor Acceptance Co. ( NMAC ) on my XXXX XXXX XXXX XXXX XXXX credit files. I am disputing the balance amount, which has been improperly and unlawfully inflated. I demand an immediate investigation, recalculation of the debt, or total deletion of the tradeline. FACTUAL BASIS OF THE DISPUTE 1. Improper Inclusion of Mandatory Law Enforcement Fees : The current reported balance includes approximately {$8200.00} in daily storage fees accumulated while the vehicle was under an absolute law enforcement investigative hold. XXXX. Legal Impossibility of Vehicle Release : During this approximately one-year period, the vehicle was in the strict legal custody of law enforcement. It was legally impossible for either the borrower or XXXX to obtain the release of the vehicle until the hold was officially lifted. XXXX. Unlawful Inflation of Deficiency Balance : XXXX subsequently paid these mandatory police-hold storage charges and added them to my personal consumer deficiency balance. These charges do not constitute reasonable or contractually authorized expenses of repossession and disposition under my retail installment contract. XXXX. Commercially Unreasonable Sale : Following the vehicle 's release from law enforcement custody, it was sold at auction for a price significantly below its fair market value, failing to meet the legal standards of commercial reasonableness. LEGAL CITATIONS AND VIOLATIONS XXXX XXXX. XXXX : Governs the impoundment and storage framework for law enforcement holds, establishing that these are mandatory investigative holds rather than standard consumer repossession events. Fla. Stat. 679.615 & 679.627 : Florida UCC Article 9 dictates that a deficiency balance may only include reasonable expenses of retaking, holding, preparing for sale, and disposing of collateral. Charges accrued due to a legal impossibility ( a police hold ) are not contractually or statutorily recoverable from the consumer. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX 1989 ) : Establishes that commercial reasonableness strictly governs a lender 's right to deficiency recovery in the State of Florida. DOCUMENTATION ATTACHED AS PROOF I have uploaded the following evidence directly supporting this dispute : XXXX. Law enforcement impound and investigative hold documentation proving the vehicle was under an absolute police hold and could not be released. XXXX. The tow/storage invoice proving {$7600.00} charge consists entirely of daily fees accrued during that mandatory hold period. XXXX. Historical valuation reports ( XXXX ) proving the true fair market value of the vehicle versus XXXX below-market auction sale records. 4. Picture of Florida identification card and social security card confirming that I am the person submitting this dispute.

Company response to consumer: Closed with explanation