Consumer complaint received 2020-01-21
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing consumer credit report, there were a number of discrepancies being reported across all three bureaus from SANTANDER ranging from dates of delinquency, amounts due, high balance, Last Payment date ( inaccurate ), date opened and date closed. For this matters, the bureaus were each reporting different information that was supposed to be verified. If the information was reported by the same company, how could these dates and amounts all be different? 

Each bureau was sent via certified mail on XX/XX/XXXX a second request to verify and validate the account information with screen shots from my consumer report showing the information was reported and displayed inaccurately across all three bureaus and demanding the information be deleted as inaccurate, especially for the most vital dates and amounts ( attached as " Santander Deletion Letter '' ). 

Each letter was delivered and received by each respective reporting bureau at the address provided to submit disputes for between XX/XX/XXXX and XX/XX/XXXX. 

Each bureau advised at some point later the investigation of the dispute is in progress with the data furnisher. Each bureau advised that the information in the dispute would be provided to the data furnisher / subscriber to investigate the dispute. 

Each credit bureau has advised their investigation has been completed with the subscriber / data furnisher and the results are the information has been " verified '' and the investigation is closed. 

As of XX/XX/XXXX, the information provided by the subsiber / data furnisher SANTANDER to the consumer reporting agencies remains the same in regards to the errors as evidence by the attached file. 

In addition, the data furnisher / subscriber to these consumer reporting agencies ( XXXX, XXXX, XXXX  ) has failed to meet the requirements of the Furnisher Rule 660.4 in conducting a reasonable investigation and providing valid documentation in regards to : 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a  consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

SANTANDER was provided with information showing the inaccuracies of the information reported and screenshots from my consumer reports showing the information was reported differently across the three consumer reporting agencies, yet continued to report the information as 'accurate '' or " verified '' XXXX  was made aware, with proof in the attached screenshots that information was inaccurate and was being reported wrong and took did not perform and due diligence other than stating the information was accurate or verified by SANTANDER ; and continued to report known inaccurate information and failed to provide proof or demand regarding how the information was verified or validated, causing damage to the accuracy of the reported data and calculations of age of item. 

XXXX was made aware, with proof in the attached screenshots that information was inaccurate and was being reported wrong and took did not perform and due diligence other than stating the information was accurate or verified by SANTANDER ; and continued to report known inaccurate information and failed to provide proof or demand regarding how the information was verified or validated, causing damage to the accuracy of the reported data and calculations of age of item. 

XXXX  was made aware, with proof in the attached screenshots that information was inaccurate and was being reported wrong and took did not perform and due diligence other than stating the information was accurate or verified by SANTANDER ; and continued to report known inaccurate information and failed to provide proof or demand regarding how the information was verified or validated, causing damage to the accuracy of the reported data and calculations of age of item. 

This information should be deleted immediately.

Company response to consumer: Closed with explanation