Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5145105
Complaint Overview
Complaint ID: 5145105
Company: Nissan Motor Acceptance Company LLC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Idaho
ZIP Code: 834XX
Date Received: 2022-01-24T12:00:00-05:00
Date Sent to Company: 2022-02-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I disputed a " 60-day late payment '' Nissan reported to XXXX and XXXX. I leased my XXXX XXXX in XXXX. When my lease was up in XX/XX/XXXX, I got a loan through XXXX XXXX XXXX to buy out my lease. The loan officer, XXXX XXXX called Nissan XXXX on XX/XX/XXXX, and the agent gave her the payoff. A full amount payoff check was mailed from XXXX XXXX XXXX before my lease ended on XX/XX/XXXX. Now, approx 15 months later, Nissan is has reported a 60-day late payment on my credit reports. I first called Nissan and they said to simply file a dispute with XXXX and XXXX. I filed a dispute with both companies by giving my account of the lease. XXXX and XXXX sent the information to Nissan and Nissan denied the dispute. Next, I contacted XXXX XXXX at XXXX XXXX XXXX and she wrote a statement verifying the details of the payoff. I disputed the inaccurate, 60-day late payment reporting from Nissan and attached the letter from my loan officer, who is now the branch manager, XXXX XXXX XXXX She clearly remembers the situation. She sent the tax and title fees directly to the State of Idaho. Nissan was claiming the tax and title fees were supposed to be sent to them. XXXX from XXXX XXXX XXXX called Nissan multiple times and informed them that in the state of Idaho ( a non-title holding state, ) the financial institution sends the money for the tax and title fee directly to the state and the State of Idaho mails the title to the lienholder. They finally sent the title to XXXX XXXX XXXX several months later. I have the supporting document from XXXX XXXX XXXX or you may reach XXXX XXXX at XXXX. I have worked very hard to have an excellent credit score and Nissan 's 60-day late reporting dropped my credit score by XXXX points on XXXX XXXX, XXXX. This is the only negative item on my credit report.
Frequently Asked Questions
What is Complaint #5145105 about?
Complaint #5145105 was filed against Nissan Motor Acceptance Company LLC regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-01-24T12:00:00-05:00.
How did Nissan Motor Acceptance Company LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Nissan Motor Acceptance Company LLC?
Yes, visit the Nissan Motor Acceptance Company LLC company profile at readthecomplaint.com/company/nissan-motor-acceptance-company-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.