Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13293577
Nissan Motor Acceptance Company Accused of Credit Report Errors
Complaint Overview
Complaint ID: 13293577
Company: Nissan Motor Acceptance Company LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Florida
ZIP Code: 33025
Date Received: 2025-04-30T12:00:00-05:00
Date Sent to Company: 2025-05-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: medium
Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, loans, or housing.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Account information
AI Analysis
CFPB complaint 13293577 was filed against NISSAN MOTOR ACCEPTANCE COMPANY LLC regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer in Florida reported incorrect account information on their credit report from NISSAN MOTOR ACCEPTANCE COMPANY LLC, which was closed with an explanation. The complaint was received on April 30, 2025 from Florida. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any errors with the credit reporting agency and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to ensure the accuracy of consumer credit information.
Regulatory Insight
This case highlights the importance of accurate account information being reported to credit bureaus, as inaccuracies can lead to significant consumer harm.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In Florida, consumers have rights under state and federal law to ensure the accuracy of their credit reports.
Industry Comparison
Disputes over incorrect account information are common in the credit reporting industry, affecting many consumers.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13293577 about?
CFPB complaint 13293577 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account information incorrect". This complaint was filed against NISSAN MOTOR ACCEPTANCE COMPANY LLC on April 30, 2025.
Which company is complaint 13293577 filed against?
Complaint 13293577 was filed against NISSAN MOTOR ACCEPTANCE COMPANY LLC. You can view all complaints against this company on their profile page at /company/nissan-motor-acceptance-company-llc.
What was the company's response to complaint 13293577?
NISSAN MOTOR ACCEPTANCE COMPANY LLC responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13293577 filed?
Complaint 13293577 was received by the CFPB on April 30, 2025. It was sent to NISSAN MOTOR ACCEPTANCE COMPANY LLC on May 1, 2025.
What state was complaint 13293577 filed from?
Complaint 13293577 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 13293577?
Dispute information is not available for complaint 13293577.
What product category is complaint 13293577 about?
Complaint 13293577 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 13293577 submitted?
Complaint 13293577 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 13293577?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to ensure the accuracy of consumer credit information. This relates to a Credit reporting or other personal consumer reports complaint against NISSAN MOTOR ACCEPTANCE COMPANY LLC involving "Incorrect information on your report".
How likely is complaint 13293577 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 13293577?
This complaint is rated as medium risk. Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, loans, or housing.
What regulatory actions apply to complaint 13293577?
This case highlights the importance of accurate account information being reported to credit bureaus, as inaccuracies can lead to significant consumer harm. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 13293577?
Consumers should regularly review their credit reports for accuracy and dispute any errors with the credit reporting agency and the furnisher of the information.
Are there state-specific protections for complaint 13293577?
In Florida, consumers have rights under state and federal law to ensure the accuracy of their credit reports. This complaint was filed from Florida.
How does complaint 13293577 compare to industry norms?
Disputes over incorrect account information are common in the credit reporting industry, affecting many consumers.
What steps should a consumer take if they find incorrect account information on their credit report?
First, dispute the error with the credit reporting agency (e.g., Equifax, Experian, TransUnion). Then, dispute the error directly with the company that provided the information (NISSAN MOTOR ACCEPTANCE COMPANY LLC in this case).
What does 'Closed with explanation' mean in the context of a credit report dispute?
This status typically indicates that the issue has been addressed and resolved by the company, with an explanation provided to the consumer or the reporting agency, though the consumer may still disagree with the resolution.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.