Consumer complaint received 2022-02-11
Company: Santander Consumer USA Holdings Inc.
State: MI
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: Investigation took more than 30 days

Complaint:
I have attached proof that I have filed XXXX disputes by mail and one by phone. XXXX XXXX XXXX and XXXX which I attached proof Of the disputes that I mailed through certified mail below I still to this day never got a response at all on my first dispute that I sent in 2020 I have now mailed three disputes since then by mail and also another dispute over the phone no progress is being made I even reached out to all three credit bureaus and they claim there is nothing that they can do I feel like its the companies word against mine The company that I am referring to is Santander consumer USA They have been reporting inaccurate information on my credit report every time a dispute is over its always different information one moment they stat its a balance on account another moment the Account says zero. 
The balance on my Credit report is inaccurate. This account has been updated multiple times with inaccurate information not to mention the information that is being reported is not the same across all three credit bureaus. Also, this account is in Litigation due to deception of predatory lending Practices account falls in the time frame of the lawsuit against Santander consumer for predatory lending practices I discussed my problems with the dealership and what they stated to me is that the guy who sold me the car no longer works at the dealership anymore and I would have to contact Santander consumer USA. 
I was able to get in contact with Santander consumer when I had the Vehicle in my possession, I even talk to them about the bad contract they always told me that they were going to investigate it but after the car was picked up, they magically didnt know me anymore or have my file. The representative stated I had no account with them which didnt sound right I kept calling them about the car to see what was going on and every time I called, they told me the same thing but when I contacted all three credit bureaus, theyre able to talk to Santander or at least send them disputes and thats when Santander responds with Inaccurate updates. on my second dispute they dropped my XXXXredit score XXXX points by lying and Saying That I have an active open car loan with a balance with them this has been a few years now its no way I have an open car loan with them Then on the other disputes they update that the account is closed with a balance it shouldnt be a balance at all If someones information keeps changing its no way that theyre telling the truth they update what they want to your credit everything about this account is inaccurate it started at the dealership an the faulty contract. 
Its inaccurate from the amount which should be zero the pay history is wrong I never missed a payment when I had the car, The time frame I had the car is also wrong the term is wrong an not the same the information that they updated to my credit report is not the same across all three credit Bureaus which Violated my section 609 FCRA rights as this loan is reported incorrectly to all three credit bureaus. XXXX told me there is nothing that they can do but at this point it doesnt even seem like they are investigating at all theyre just updating my credit with the same inaccurate information that keeps changing back-and-forth from open to close with a balance dropping my score every time as if this is being done on purpose XXXX and XXXX only responded one time out of the four disputes Which is unacceptable I really feel like Im getting taken advantage of And walked over I also did receive a payment from the lawsuit with Santander an they continue to report false information and I see its not just me its multiple people that this has happened to please look into this for me thank you.

Company response to consumer: Closed with explanation