Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On XX/XX/XXXX I purchased a XXXX XXXX XXXX and financed {$38000.00} with Santander Consumer USA. I have paid Santander Consumer USA a total of {$39000.00} through XX/XX/XXXX. Please see the attached payment history from Santander. 
I believe Santander is engaging in Tax Fraud and XXXX  credit is assisting them in getting away with it. 
Even though I have proof of all payments I made to Santander and even a payment history report from Santander they refuse to acknowledge these payments with the Credit Bureaus. I have disputed this with XXXX  Credit 3 times but they refuse to correct the information because Santander continues to reply to my disputes stating these payments were never received. I am not alone here, a close friend who also obtained a loan from Santander is going through the exact same thing trying to get the credit bureaus to acknowledge payments that she has paid to Santander which they continue to dispute as well. 
My credit report with XXXX  first stated my Balance on XX/XX/XXXX was {$38000.00} and charged off. My Santander payment report stated only {$22000.00} was charged off. That's quite a big difference. You would think they would just correct it after 3 separate attempts to dispute it with XXXX  but Santander still continues to lie and the best I could get finally get them to admit to was that they charged off {$26000.00} after numerous attempts with XXXX  to get them to correct it. Why not just tell the truth especially when there is a paper trail disputing otherwise. Imagine the thousands of people they are doing this to and the tax fraud this could add up to. XXXX  is nothing more than an enabler to assist Santander in tax fraud. 
Santander profited greatly by approving my high-cost loan. Because of their abusive business practices I was doomed from the start. Their predatory loan practices cost me my job, and destroyed my credit. To collect every month on their abusive high-cost loan they harassed me on my job sometimes calling three to four times a day. Not only distracting but embarrassing. 
They even Reported my car to the credit bureaus as a charge off and never informed me so I could never refinance it with any other lender. In spite of this they still continued to harass me and collect monthly payments and never reported these payments to any of the credit bureaus. 
Santander was ordered to provide over {$99.00} XXXX in relief to thousands of California consumers who Santander approved for its abusive high-cost loans. They still continue to lie and submit false information to credit bureaus and abuse consumers without as of yet paying one cent to consumers. 
Santander was also required to waive the deficiency balances for certain defaulted consumers across the country, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by Santander. I dont think they have waived any deficiency balances and have only lied and provided false info to credit bureaus that innocent consumers owe larger amounts that they actually do so they could take write offs for this fraudulent amount. Santander Destroyed my credit, cost me my job, collected nearly 40 grand from me and up until I am still fighting with them to acknowledge payments I made with the credit bureaus. 
Santander Bank is no stranger to tax fraud and was linked to a major tax evasion scheme in XXXX in XXXX and XXXX.