Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Dear PFPB, I hope this message finds you well. I am writing to address an issue with my credit report concerning a recent payment on my XXXX  XXXX XXXX lease. I was recently informed that the Nissan Motor XXXX XXXX reported me to the consumer credit bureau, and I would like to provide some context and respectfully request that this resolved incident not be reported as a default. 

A couple of months ago, I renewed my lease with XXXX XXXX in XXXX, continuing my commitment as a loyal customer by leasing my third new Nissan vehicle. My experience with XXXX XXXX has always been positive, and I have consistently made my payments on time. 

Unfortunately, a banking error resulted in my most recent payment being {$30.00} short of the required {$590.00}. I understand that mistakes can happen on both sides, and as soon as I received their certified letter on XX/XX/2025, I immediately took steps to resolve the matter. I contacted Nissan 's collections office and authorized the withdrawal of the full balance from my checking account. During my conversation with XXXX, I acknowledged the error and voluntarily requested that they automatically deduct the payment from my checking account every month to ensure that all future payments would be processed on the due date accordingly. 

To clarify the sequence of events : XXXX. On XX/XX/2025, around XXXX XXXX  ( XXXX ), I spoke with XXXX, resolved the payment shortfall, and set up automatic payments. 
2. I was then transferred to XXXX, who explained the reporting process ; unfortunately, the call was disconnected. 
3. At XXXX XXXX, I called again and spoke with XXXX, who acknowledged my previous discussion. While attempting to connect me with a supervisor, I was placed on hold for nearly XXXX minutes and disconnected again at XXXX XXXX 

In my email to Nissan Motor, I stated that I appreciate the time your team has dedicated to assisting me throughout this process. My concern is that this isolated and promptly addressed incident could negatively impact my credit, despite my history of reliable payments and positive relationship with your company. I am grateful for the support I have received from your team in the past and am committed to maintaining our positive relationship. 

I kindly implored them to review the recorded conversations and my account history, and reconsider reporting this matter as a default. Furthermore, I encouraged them to contact me if any additional information was needed so we could resolve this issue. Up to this writing, I have not received a response. To this end, I am forwarding my complaint to you as follows : I am writing to formally dispute the characterization of my lease account ( Account # XXXX ) as being in default, and to request immediate reconsideration and correction of any related credit reporting. I appreciate the time and attention your team dedicates to reviewing customer concerns, and I understand that errors can occur in complex systems such as credit reporting. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I am exercising my legal right to dispute inaccurate, incomplete, or unverifiable information reported to credit bureaus. The alleged default stems from a {$30.00} shortfall in a single lease payment due to a banking errornot a missed or delinquent payment. Upon receiving a certified notice on XX/XX/2025, at or about XXXX XXXX, I immediately contacted your collections office, resolved the discrepancy, and authorized full payment. I also voluntarily requested to enroll in monthly automatic payments directly from my bank checking account to prevent future issues. To summarize, this was a one-time, promptly resolved issue that I personally initiated to secure my contract lease obligations. 

This isolated incident does not meet the threshold of default as defined by standard leasing agreements or credit reporting guidelines. It was neither a failure to pay nor a refusal to comply with contractual obligations. Reporting this as a default would constitute a material misrepresentation of my payment history and could result in unwarranted harm to my credit profile. 

For clarity, I respectfully request the following actions : - Immediate review of the account and recorded communications with your representatives ( XXXX, XXXX, and XXXX XXXX. 
- Correction or removal of any default-related reporting to credit bureaus. 
- Written confirmation of the outcome of your investigation, as required under the FCRA. 

If necessary, please be advised that failure to correct inaccurate reporting may result in further legal action, in addition to this complaint filing with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies under FCRA provisions, which allow for statutory and actual damages in cases of negligent or willful noncompliance. 

I am confident we can resolve this quickly and fairly together, and I remain committed to maintaining a positive relationship with your organization. Thank you for your attention to this matter and for your assistance in ensuring the accuracy of my credit profile. I look forward to your response and written confirmation of the outcome. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation