Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I recently obtained a copy of my credit report and noticed inaccurate information. I have reached out to Santander Bank., requesting that they delete the inaccurate information on the account. Santander responded, stating all information on my credit report was verified, valid, and accurate. I have now sent a correspondence listing the inaccuracy, and I demand that this account be deleted from my report immediately. Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of my Santander Consumer USA auto loan account under my credit report. According to the information provided by your bureau, my account is being inaccurately reported with several discrepancies, and I request that these errors be immediately corrected and the account be removed from my report. 

Inaccuracies Identified : Late Payment Reporting : My credit report inaccurately reflects several XXXX, XXXX, and XXXX late payments that are not accurate for this account. Based on the accounts actual payment history, these late payments should not be reported. I have paid this loan in good standing according to the terms outlined in the loan agreement, and I respectfully request that any reported late payments be removed. 

Violations : XXXX instances of inaccurate late payments Potential Damages : {$100.00} to {$1000.00} per violation Total : {$1000.00} to {$10000.00} Status Reporting : The account is listed as in good standing on the credit reports, yet the reporting reflects inconsistent and false data regarding the timely nature of payments, particularly for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. No evidence of late payment can be substantiated for these periods, as the loan was consistently paid on time or within an agreed-upon grace period. 

Violations : XXXX instances of reporting inaccurate " No Data Available '' or missing payment history for months where payments were made on time Potential Damages : {$100.00} to {$1000.00} per violation Total : {$300.00} to {$3000.00} Account Details and Payment History : The credit reports list numerous months as No Data Available or N/A, which may imply a lack of activity or failure to report. However, these months included consistent on-time payments, and this omission should be corrected to reflect accurate information. 

Violations : XXXX instances of No Data Available for months that should have been reported as paid on time Potential Damages : {$100.00} to {$1000.00} per violation Total : {$800.00} to {$8000.00} Total Violations : XXXX violations Total Potential Damages : {$2100.00} to {$21000.00} Violation of FCRA : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and timely reporting of information. The information being reported on this account is not only misleading but also violates the FCRAs mandates for the accurate reporting of consumer data. The reported inaccuracies, including the listing of late payments and the omission of on-time payments, must be corrected immediately. 

Requested Action : I respectfully request the following : XXXX. Immediate removal of any inaccurately reported late payments, specifically those listed as XXXX, XXXX, and XXXX  days late. 

XXXX. Correct the status of my account to accurately reflect all on-time payments made. 

XXXX. Remove any erroneous notations of " No Data Available '' from the payment history. 

XXXX. Delete the account from my credit report entirely if it is not in compliance with the accurate reporting standards outlined by the FCRA. 

Please investigate these issues and correct the discrepancies at your earliest convenience. I request that you provide a written response detailing the actions taken within XXXX days as required by the FCRA. Enclosed are copies of my supporting documents to assist with your investigation. 

Given the number of violations ( total of XXXX violations ) and the potential damages associated with each violation, please be advised that I am prepared to take legal action should these inaccuracies not be resolved promptly. The Fair Credit Reporting Act ( FCRA ) allows me to seek statutory damages of {$100.00} to {$1000.00} per violation for each of the XXXX violations, which could result in total damages ranging from {$2100.00} to {$21000.00}. Additionally, I may pursue punitive damages if there is evidence of willful noncompliance. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution. 

Sincerely, XXXX XXXX SS # : XXXX

Company response to consumer: Closed with explanation