Consumer complaint received 2025-05-14 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:
My name is XXXX XXXX, and I am writing to dispute how this account is being reported on my credit. I reviewed the information reported by Santander Consumer USA and found several serious issues that I believe are inaccurate and misleading. 
According to my credit report, the account shows a XXXX late payment, then a repossession the next month, and a charge-off right after that. This timeline doesnt make sense, especially since theres no record of XXXX, XXXX, or XXXX late payments before the repossession or charge-off. That kind of reporting makes it seem like the situation was worse than it actually was, and it doesnt reflect what really happened. 
I am aware that Santander Consumer USA was previously fined by the Consumer Financial Protection Bureau and several states for repossessing vehicles without providing proper notice and for reporting misleading information to credit reporting agencies. My situation appears to reflect the same kind of misconduct. I did not receive any notice prior to repossession, and the reporting of this account shows an inaccurate and unusually fast progression from 30 days late to repossession and charge-off. 
In addition, I did not receive any letter or notice before the vehicle was repossessed. If Santander claims a notice was sent, I am requesting proof of that, including when it was mailed and how. If it wasnt sent with certified mail, tracking, or some type of verifiable method, theres no way to confirm I ever received it. Without that notice, I was denied the chance to take action before the repossession, which may be a violation of both federal and Texas state law.

Because of this, I am requesting that Santander conduct a full review and provide a detailed audit of the account. Please include the following : Date the account was opened Date of first delinquency Date of repossession Date of charge-off Complete monthly payment history, including any months listed as no data Copy of any repossession notice allegedly sent, with proof of mailing or delivery Details of any post-repossession sale or deficiency balance, if applicable Im also aware that my contract with Santander includes an arbitration clause. If this situation can not be resolved, I am prepared to begin arbitration to hold Santander accountable for inaccurate and harmful reporting. I understand that under most consumer arbitration rules ( such as XXXX or XXXX  ), Santander will be required to pay hundreds or even thousands of dollars in filing and administrative fees. These costs can exceed {$3000.00} per case, even before a hearing is scheduled. I would prefer to resolve this without going that route, but I want it to be clear that I am prepared to use every option available to me. 
Please respond to this letter in writing and provide all the information I have requested. If the account is being reported inaccurately or can not be fully verified, I am asking that it be corrected or removed from my credit reports. 
Sincerely, XXXX XXXX Attached is a copy of the contract

Company response to consumer: Closed with non-monetary relief