Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
I am submitting this complaint against Nissan Motor Acceptance Company ( NMAC ) due to its repeated failure to report accurate payment history and to properly investigate the errors I've identified through multiple dispute attempts.

Despite my ongoing efforts to correct these inaccuracies, Nissan continues to report erroneous and non-compliant information regarding my account. My main concerns are as follows : Use of No Data despite payment activity : For multiple months where payments were made, Nissan has reported no data. This creates an incomplete and misleading history.

Missing or skipped payment activity : Certain months where payments were made are completely missing from the record.

Failure to update reporting date : Although Nissan has responded to disputes by stating that an investigation was conducted, the " Date of Last Update '' field remains unchanged, which contradicts any claim of a reinvestigation. 

Inaccurate sequence of late payments : There are inconsistencies in how late payments are reported, such as 306090120 day delinquencies not aligning with actual payment activity or timeline. 

Incorrect late payments : Payments were marked late even though they were not 30 days past due, violating credit reporting guidelines. 

Greater-than-required payments not reflected : In many months, I paid more than the minimum amount due, yet Nissan continues to inaccurately reflect the scheduled amount only.

Multiple payments per month not reported : When I made more than one payment in a month, only one payment appears in the tradeline, minimizing the completeness and accuracy of the data. 

In response to my previous dispute, Nissan provided a copy of the auto finance contract. However, in XXXX XXXX XXXX XXXX, the court made it clear that furnishing a copy of the original agreement or billing statements does not constitute a reasonable investigation of a consumers dispute regarding payment history. 

To comply with the Fair Credit Reporting Act ( FCRA ) and conduct a reasonable investigation, Nissan would have needed to provide or reference the following : Internal payment transaction logs showing all posted payments, dates received, and amounts Account servicing notes from customer service or collections to verify communications or adjustments Banking records or payment remittance data ( ACH, check images, or card transaction IDs ) confirming when and how payments were received Timestamped audit trails showing how each dispute was processed and who reviewed the account A review of misapplied or double-applied payments, if applicable An updated and verifiable investigation report with justification for each reported late or missing payment The absence of these materials indicates that Nissan has not met the standard of a lawful or reasonable investigation as required under 15 U.S. Code 1681i. 

I am requesting that the CFPB conduct a formal investigation into NMACs dispute handling practices, inaccurate furnishing, and failure to properly update or correct my account. These continued reporting errors have caused harm to my creditworthiness and financial standing. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation