Consumer complaint received 2025-07-18 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:
Summary of Complaint : I am filing this complaint to formally report Santander Consumer USA for multiple and repeated violations of the Fair Credit Reporting Act ( FCRA ), Metro 2 compliance standards, and federal consumer notice laws. Despite having submitted multiple disputes over an extended period, Santander has failed to conduct a lawful reinvestigation, continues to report materially false and inconsistent information across the credit bureaus, and has caused measurable financial and emotional harm.

Legal Violations and Basis for Complaint : 1. FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishing Inaccurate Information Santander has reported conflicting and materially inconsistent data across the credit bureaus : Date Closed : Reported as XXXX withXX/XX/XXXX, but listed as XXXX with Equifax. 
Date of Last Activity : Illegally updated to reflect XXXX activity on an account that was closed in XXXX. 
Account Type : Labeled inconsistently as auto loan, personal loan, and finance companycontributing to scoring inaccuracies.

2. FCRA 605 ( a ) ( 5 ) Re-Aging of Derogatory Information Santander has engaged in the unlawful practice of re-aging by altering the Date of Last Activity on a closed account to XXXX. This re-aging tactic is prohibited under the FCRA and results in the illegal extension of negative data beyond the 7-year reporting limit.

3. FCRA 1681i & 1681s-2 ( b ) Failure to Reinvestigate I submitted multiple written disputes regarding this account. Santander failed to : Conduct a reasonable investigation, Provide documentation verifying the accuracy of the reported data, Correct or delete the disputed, unverifiable, or inaccurate information.

This constitutes a repeated and willful violation of its duties under federal law.

4. FCRA 1681s-2 ( a ) ( 7 ) Failure to Provide Required Notice of Negative Reporting Santander failed to provide me with written notice within 30 days that it had furnished negative information to the credit bureaus. This failure was compounded by the fact that I no longer resided at my Florida address at the time ; I was residing in New York, and Santander had access to that updated information through billing and correspondence. Reporting negative data without first providing the required notice to the correct address invalidates the delinquency.

5. Metro 2 Compliance Violations Santander has failed to report this account consistently with Metro 2 standards. Violations include : Inconsistent account types, Conflicting payment status and date fields, Unlawful re-aging practices, All of which adversely affect credit scoring and violate industry standards adopted for lawful and accurate credit reporting.

Resulting Harm and Damages : Due to Santanders actions and inactions, I have suffered : Emotional distress and reputational damage, Denial of credit and housing opportunities, Unfavorable lending terms due to inaccurate derogatory data, Wasted time, effort, and financial resources spent submitting unresolved disputes, Legal costs associated with preparing for litigation.

Legal Remedies and Intent to Sue : Under the FCRA, I am reserving my right to pursue civil action for : Statutory damages of {$1000.00} per violation under FCRA 1681n, Actual damages for economic and reputational harm under 1681o, Punitive damages for willful noncompliance under 1681n ( a ) ( 2 ), Court costs and attorneys fees under 1681n ( a ) ( 3 ).

If this matter is not resolved in a timely and lawful manner, I fully intend to initiate a civil lawsuit against Santander Consumer USA in the appropriate jurisdiction.

Company response to consumer: Closed with non-monetary relief