Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Santander Consumer USA has been reporting incorrectly on all 3 credit bureau agencies. I have made multiple disputes with all 3 CRA and have also been in contact with Santander USA on the phone as well. On XXXX this account has been reporting as open and closed multiple times thus making my score go up and down. Santander Consumer USA has also been reporting incorrect balances, as well as incorrect payment dates. I have also request via multiple phone calls to have all account history ( statements, payments, repo dates, notices & repo sale bills. etc. ) sent to my address. Santander never notified me of any sale of my XXXX XXXX XXXX  in XXXX. They have failed to update my address per multiple phone calls and purposely continued sending my notices to an address. Santander had my most current address per the fact the car was repossessed 2 times in XXXX. Not only this but they had also sent me credit denials to my home address despite me never giving them permission to run my credit for an auto loan. Per the IL repossession law which was violated by Santander, they are required to do/allow the following which they did not do. 

- If youve paid at least 30 % of your loan at the time of repossession, youll get a notice of redemption. This notice says that if you can make the missed payments and pay the cost of repossession within 21 days, you can get the car back. 
- Illinois repossession laws dictate that a lender must mail all borrowers of a repossessed vehicle a notice stating that you have the right to retrieve ( redeem ) your car or truck once you have satisfied all of the outstanding issues related to the vehicle repossession. 
-Illinois repossession laws also dictate for a public sale, such as an auction, the notice must include the time, date and place of the sale. The requirements of the notice are set out at 810 ILCS 5/9-613 and 5/9-614. Other Requirements of the Notice : It must tell the debtor about their redemption rights It must give enough time to redeem or to find other buyers before the resale It must be given not only to the primary debtor but also to cosigners and guarantors It must be correctly addressed If it states the wrong information on the notice, such as wrong date or sale location, the notice is no good It must be written If the creditor learns that the debtor did not receive the notice and took no steps to correct it, the notice is no good A debtor must be sent a new notice if the sale gets rescheduled **all of which were violated*** Santander has violated my rights of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ).

-Santander furnished inaccurate information about my credit to Consumer Reporting Agencies that it knew or had reasonable cause to believe was inaccurate -Santander failed to promptly update and correct information furnished to CRAs that I determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA 15 U.S.C. 1681 s2 ( a ) ( 2 ) Santander furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ).

Company response to consumer: Closed with explanation