Consumer complaint received 2021-02-18
Company: Santander Consumer USA Holdings Inc.
State: CA
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:
In reviewing the provided XXXX  credit Report forwarded to me furnished by XXXX  dated XX/XX/XXXX ; when concerning Santander Consumer USA, it is clear the data is inaccurate and holds discrepancies. The report lists the date of first delinquency as XX/XX/XXXX. In comparison to the XXXX Credit report pulled XX/XX/XXXX the first date of delinquency is XX/XX/XXXX. Moreover, as seen in the billing documents provided to me directly from Santander CONSUMER USA, the date of first delinquency is listed as XX/XX/XXXX. Though Ive furnished these documents in several occasions XXXX  refuses to properly update and remove the inaccuracies although they are aware the credit age exceeds 7 years and have also been advised the car was stolen in XX/XX/XXXX shortly following the primary account holders ( my brothers ) diagnosed XXXX XXXX. When speaking with an XXXX  customer care rep XX/XX/XXXX I requested the date when the date of first delinquency was altered as I previously recalled the account being reported prior to XXXX. I was advised the representative could not access my earlier historical payment history as all creditors/lenders reportings automatically roll off a credit file after 7 years. However based on the provided credit reports XXXX  managed to remove 2 years of credit history in roughly 9 months and is clearly being dishonest about having accessing to prior account information. 

I co-signed on a vehicle financed by Santander in XX/XX/XXXX. Unfortunately my brother XXXX, the primary owner was admitted to a XXXX institution following our little brothers XXXX. During the time I was the resident of a XXXX treatment center and my brothers vehicle was stolen. My family was distressed by the sequential tragedies between myself, and my XXXX brother. They were not properly notified until years following XXXX XXXX. Several instances throughout my XXXX I attempted to sort out the issues but due to recurrent relapse it was extremely difficult. My brother and I were both victims of identity theft. I contacted Santander XXXX and requested information on the vehicle to proceed with notifying authorities. In XX/XX/XXXX Santander provided me a historical payment history displaying the first delinquency date as XXXX. They also forwarded a copy of the correspondence the sent to an unknown address in Arkansas which was provided to them from the thief of the vehicle. They are fully aware the vehicle was stolen and yet continue to report the inaccurate and differential vehicle history which is damaging my entire life. In XX/XX/XXXX, Santander Consumer USA was found guilty of falsely reporting derogatory remarks on millions of there customers accounts. ( specifically altering the date of last delinquency and closed accounts ) Ive contacted all three bureaus and Transunion has since removed the account. XXXX  is in process and XXXX  REFUSES TO REMOVE THE INACCURACY, Though Ive supplied the same information to ALL THREE bureaus. XXXX  also refuses to remove several inaccurate reports on my credit file, while both XXXX  and XXXX  stated they received my initial fraud dispute from XXXX  XX/XX/XXXX. XXXX  and Santander are deliberately ignoring the guidelines and laws that protect consumers. Santander reported my accounts differently to ALL THREE BUREAUS. 


XXXX  also upholds that the bankruptcy they claim XXXX XXXX has listed is owned by myself. I have attempted to resolve this falsely reported bankruptcy. I contacted XXXX XXXX and disputed the information and was sent a correspondence stating there were no records for me. Again both XXXX  and XXXX  have removed the false report as all three credit bureaus verify records via XXXX XXXX and there is no such accurate record. For several years Ive fought against this and its caused an unnecessary amount of additional strain on my recovery. To date, XXXX  is the only 1 out of the 3 credit bureaus that continuously fails to ensure my credit is properly reported.

Company response to consumer: Closed with explanation