Consumer complaint received 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
SUMMARY OF THE SITUATION Infiniti of XXXX claims : They do not offer in-house financing. 
They do not send repossession letters. 
They have no record of any transaction with you ( or aliases like XXXX and XXXX XXXX XXXX. 
Credit Bureaus ( XXXX XXXX XXXX ) are : Reporting repossessions under Infiniti of XXXX name. 
Doubling the amount owed or duplicating the account. 
Refusing to remove or correct inaccurate information. 



POTENTIAL LEGAL VIOLATIONS Federal Law Violations 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681 1681e ( b ) Credit bureaus must ensure maximum possible accuracy.

1681i Upon dispute, they must investigate within 30 days and correct or delete inaccuracies.

1681s-2 ( a ) ( 1 ) ( A ) Data furnishers ( e.g., a car dealership ) must not furnish information they know or have reason to believe is inaccurate.

1681s-2 ( b ) Once notified of a dispute by a credit bureau , furnishers must : Investigate the dispute.

Review all relevant information.

Correct or delete any inaccurate data.

Violation Example : Reporting a repossession that the business denies ever occurred.

2. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1692 If a collection agency is involved, reporting false debts or inflated balances can violate : 1692e Prohibits false, deceptive, or misleading representations, including about the character, amount, or legal status of a debt.

1692f Prohibits unfair or unconscionable means to collect or attempt to collect any debt.

3. Gramm-Leach-Bliley Act If data about a non-existent loan is being shared or processed, it may raise issues under privacy laws, particularly if theres a case of mistaken identity or misused personal information.

Florida State Law Violations 1. Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) Fla. Stat. 501.201 et seq.

Protects consumers against false or misleading representations and unfair practices in trade or commerce.

Reporting non-existent transactions or repossessions to credit agencies is likely a violation if its found to be deceptive.

2. Florida Consumer Collection Practices Act ( FCCPA ) Fla. Stat. 559.55 559.72 ( 6 ) Prohibits knowingly disclosing false information about a debtor to a third party ( like a credit bureau ).

559.72 ( 9 ) Prohibits claiming, attempting, or threatening to enforce a debt when the person knows the debt is not legitimate.

3. Florida Vehicle Repossession Notice Requirements Fla. Stat. 679.611 Florida requires a secured party to send notice to the debtor before disposing of repossessed collateral ( a car ).

If no transaction existed, any claim of repossession is invalid, and any such notice ( or absence thereof ) may be a false claim.

CONSUMER RIGHTS You have the legal right to : 1. Dispute errors with each credit bureau.

2. Request all evidence the credit bureau has for the reported account ( account opening, payments, default, repo ).

3. Demand deletion if no evidence of the account exists.

4. File formal complaints with : Consumer Financial Protection Bureau ( CFPB ) XXXX Florida Attorney General myfloridalegal.com FTC For credit reporting violations.

5. Pursue civil damages You may be entitled to up to {$1000.00} per violation of FCRA or more under state law for emotional distress and financial harm.

SAMPLE LAST CHANCE DEMAND NOTICE ( Outline ) You may wish to send this to Infiniti of XXXX and all three credit bureaus : Subject : Final Notice to Cease and Correct False Credit Reporting Immediate Deletion Required To Whom It May Concern : I am writing to formally demand the immediate removal of false and inaccurate credit information being reported by or under the name of Infiniti of XXXX regarding an alleged auto loan and repossession. 

Infiniti of XXXX has publicly stated and confirmed to the BBB that they do not offer in-house financing, do not issue repossession letters, and have no record of any transaction with me. Despite this, all three credit bureaus continue to report a false repossession under their name, along with inflated or duplicated debt amounts. This is a clear violation of : FCRA 1681e ( b ), 1681i, 1681s-2 ( b ) FDUTPA Fla. Stat . 501.204 FCCPA Fla. Stat. 559.72 These inaccuracies have caused serious financial hardship, denied me access to credit, and constitute a material violation of my rights. I demand : 1. Immediate deletion of all erroneous entries regarding Infiniti of XXXX. 
2. Written confirmation within 10 business days that the deletions have occurred.

3. Disclosure of the source and verification used to substantiate the inaccurate entries.

If these demands are not met, I will take legal action including filing complaints with the CFPB, FTC, Florida Attorney General, and pursuing damages in civil court.

Company response to consumer: Closed with explanation