Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
Santander Consumer USA is reporting my auto loan is inaccurate, contradictory, and unsupported, and they continued reporting it even after receiving my written dispute and request for validation. My tradeline with Santander, account ending in XXXX, shows a charged-off balance of {$9600.00}, a charge-off amount of {$18000.00}, and ongoing delinquency updates even though the account is marked as closed. The reporting is internally inconsistent and does not align with how a properly reported charged-off account should appear. 
On XX/XX/year>, I mailed Santander a debt validation request because the information on my credit report did not make sense. My letter requested essential documents such as the original retail installment contract, a complete payment history, and an explanation of how the past-due balance and charge-off amount were determined. My letter appears on page XXXX of the file I uploaded, and the signature page appears on page XXXX. The certified mail receipt ( page XXXX ) and USPS delivery confirmation with the signature ( page 7 ) confirm that Santander received my dispute. I provided all these documents in my uploaded file titled Santander Tracking ( 1 ) .pdf. Santander never responded. They provided no validation, no supporting documents, and no explanation. 
Despite receiving a written dispute, Santander continued furnishing the same inaccurate information to XXXX. Under the Fair Credit Reporting Act, a furnisher must conduct a reasonable investigation after receiving a dispute and must correct or delete information that can not be verified. Furnishing a charged-off tradeline with conflicting balances and ongoing delinquency codes after receiving a dispute violates the FCRAs accuracy and reinvestigation requirements. Under the FDCPAs validation requirements, continuing to furnish a disputed account to a credit bureau qualifies as continued collection activity when no validation has been provided. 
The inconsistencies in my tradeline are significant. The account is marked closed, yet it continues to update with fresh CO charge-off notations month after month for multiple years. The account does not list a date closed, even though it is reported as closed. The charge-off amount and past-due balance conflict. A past-due balance should not be updating after an account is charged off and closed. Nothing in the way this account is being reported reflects an accurate or verifiable status. 
These issues are even more concerning because they match the exact violations identified by the CFPB in its enforcement action and Consent Order against Santander, which is included in the file titled Consumer Financial Protection Bureau Settles with Santander Consumer USA Inc. for Credit Reporting Violations in Connection with Its Auto Loans. In that Consent Order, the CFPB found that Santander furnished information it knew or should have known was inaccurate, failed to promptly update and correct information that was incomplete, failed to provide the Date of First Delinquency on certain charged-off accounts, and furnished systemic errors and inconsistent credit reporting data. The reporting errors in my account mirror those findings exactly. The same types of contradictions described in the CFPBs actionincorrect delinquency reporting, inconsistent account statuses, and failure to correct inaccurate informationare present in my tradeline. 
Because Santander ignored my validation request, continued reporting inaccurate and contradictory information, and is exhibiting the same behavior the CFPB has already taken action against, I am requesting that the CFPB require Santander Consumer USA to delete this tradeline from all consumer reporting agencies. The information they are furnishing is unverified, unreliable, and in direct conflict with their obligations under federal law and the findings in the CFPBs own enforcement action. 
I am requesting deletion of this account and written confirmation once the deletion is complete.

Company response to consumer: Closed with non-monetary relief