Consumer complaint received 2021-04-21
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
this is second request from chrysler capital via CFPB IS BEEN MORE THAN 1 YEAR NOW WE ARE TRYING TO RESOLVE THIS ISSUE I HAVE RECIAVED YOUR RESPOND WHICH CHRYSLER WROTE ON THE RESPOND ON EARLEIR COMPLAIN THAT WAS FILED ON XX/XX/XXXX CHRSLER RESPONDED Our records show that we did not receive a letter from you dated XX/XX/XXXX, however we did receive a letter from you dated XX/XX/XXXX to which we responded on XX/XX/XXXX. We also received another letter XX/XX/XXXX and our response is forthcoming. 
Any indirect account reporting disputes submitted with the credit reporting agencies, will need to be addressed with the credit reporting agencies directly the dispute was submitted with. When an indirect dispute is received from the credit reporting agencies, Chrysler Capital reviews the information reported and responds back the originating credit reporting agency with updated information, if any. 
A review of the information provided to the credit reporting agencies shows that on XX/XX/XXXX, we reported the account as Charged-Off with a balance of {$16000.00}. The account charged off on XX/XX/XXXX, when the account was over 120 days past due. 
Once an account has been reported as charged off, the account will continue to report until the statute of limitations addressed by the FCRA is met. 
Based on a review of the account, no further update will be made to the information being reported. We respectfully decline your request to delete the account from your credit report. 
Enclosed is a copy of your Contract, Identity Theft Claim Denial Letters and Payment History for your reference HOW ABOUT IT DENAIL? WOW! 

HELLO I AM XXXX XXXX FORMER EX EMPLOYEE OF DIAMLER CHRYSLER AT AGE XXXX SO AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX OF XXXX XXXX BEFORE I STARTED MY CAREER IN OTHER FIELD STILL AM ONCE YOU ARE IN CAR BUSINESS YOU ALWAYD BE IN CAR BUSINESS IS SAYING EVEN I WENT SIGNED RECORD DEAL IN MUSIC CAREER AND PRODUCING AND OTHER BUSINESSES THAT I HAVE ON SIDE I was working for XXXX back in XXXX and XXXX in XXXX and XXXX to XXXX for XXXX XXXX show me some respect to start with not denial am i on denail or you? 
i like to bring to your attention what is this have to do with my dispute resolution fact this respond that i gotten dose not have suffient evidance proof and rights to over come my first request that i asked several fact in my disputes that was not resolve i will upload all of them at same time for you to review how do you consider this claim is denial? how do you know XXXX XXXX in fact purchase this vehicle? how did you verify this information? do you have any proof in fact this purchase was done by XXXX XXXX my seld and my father both made purchase 5 to 7 cars from XXXX over the years and XXXX XXXX my self i am driving land rover at moment rangrover price out around XXXX $ tousend brand new what step have you taken to put this item on my credit report according to the guide line fair credit act and consumer reporting agency? i have provided you with police report have you try to contact the police department? i send first request you asked i have insufient claim since i didnt notarize the my affidavit afther i notorize it XXXX said we can not approve the claim since your police report is not clear we cant read it maybe to XXXX to me i could read it what is the issue the ussue comes from who cause the issue in first place the 3 rd party which you may know who i know who but we cant talk about it or we dont have any prove or evidance how this party intifearance with investigation case this issue ; s lets not get of circle of trust that you and i have afther review your respond i decided to provide the document that you brougt up on the respond and upload it for XXXX to review how ever sorry for a delay that i was not able to get back to you sooner my father was checked in to XXXX hospital on XX/XX/XXXX the same day XXXX got respond and he died on the XXXX at XXXX '' XXXX afther noon there for you could know what that do to human please effective today date remove the negtive information fm my credit and respond within 3 days from the date of this complain 7 days at most failure to respond to this in timley manner will deletre all negative information with fcra no there was letter dated Month of XX/XX/XXXX to Chrysler capital requesting the financial institution remove the incorrect data that dose not belong to Mr.XXXX XXXX due to cover 19 issue I did receive the respond on XX/XX/XXXX from Chrysler with already took more than 30 days that's fine they still did not remove incorrect information I receive a respond that I don't have the proper documents to move forward the Chrysler cap asked to notarize the affidavit and send require docs such as police report for id theft along with other docs I did send the document give or take 20 days later and respond came back we can not process the dispute you have not provide us enough information to remove the negative data from the report or ( account ) in fact after my review I have sent cChrysler Capital on XX/XX/XXXX with USPS TRACKING NUMBER ( XXXX XXXX XXXX XXXX XXXX ) requesting to remove the negative account information but this time I had sent every documents that they ask for along with my letter of demand to remove the information in fact provide every peccary step that Chrysler Capital have took to ad the negative information on my credit according to fora law how ever Chrysler was not success full to remove the information the respond was over 30 days from Chrysler the the respond was dated XX/XX/XXXX they can resolve this issue since I have not provide enough information with is not excuse I even wrote the police department that I filled the identity theft with on my letter with officer name at that division in fact there was 2 identity theft was filed on XXXX and XX/XX/XXXX how ever the Chrysler capital failed to resolve this issue again the Chrysler giving the sad excuses to not remove this account

Company response to consumer: Closed with explanation