Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
I am filing a complaint regarding serious violations and conflicting credit reporting related to an auto loan account with Santander Consumer USA. 

Santander Consumer USA, as the original creditor and data furnisher, is at the center of this dispute. They have reported inaccurate, conflicting, and unverified information to the credit bureaus. The signed contract they provided to me contains dates, amounts, and terms that do not match what is shown on my credit reports. In addition, Santander never notified me about the charge-off, repossession, or auction of the vehicle. I received no letter, phone call, or warning before any of these actions took place. Recording a charge-off before selling the vehicle, without giving me an opportunity to reinstate payments or respond, is a serious violation that may go against both federal and state consumer protection laws. Santander is fully responsible for initiating this inaccurate reporting and failing to follow proper procedures.

1. I submitted a written dispute to XXXX more than 60 days ago regarding this Santander account. I never received any response or investigation results. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires a response within 30 days.

2. XXXX is also reporting inaccurate and conflicting information that does not match the official contract I received from Santander. The reported balance, payment history, and charge-off amount do not align with Santanders own documents. This violates XXXX  legal duty under FCRA to ensure all information is accurate and verifiable.

3. There are major inconsistencies between all three credit bureaus XXXX XXXX XXXX XXXX. For example : - The account opening date is different ( Santander contract : XX/XX/year> ; XXXX XXXX XXXXXX/XX/year> ). 
- Some bureaus do not show any vehicle details ( make, model, VIN ) even though this is a secured auto loan. 
- The reported charge-off amount is not supported by the contract or documents from Santander. 

4. Santander sent me the full retail installment contract, including payment terms and loan breakdown. However, the information being reported to the credit bureaus does not match that contract, which means the bureaus are publishing false and unverified information a direct violation of federal law. 

These errors are seriously damaging my credit, my ability to rent housing, and my overall financial stability. I am demanding that this inaccurate and unverifiable information be either corrected immediately or permanently removed from all credit reports. 

If this issue is not resolved promptly, I am prepared to escalate this complaint to the Federal Trade Commission ( FTC ), my State Attorney General, and consider legal action under FCRA. 

Santander, as the original furnisher of this data, is fully responsible for the accuracy of what is being reported. I demand a full investigation, and if the information can not be verified, I request full and permanent deletion of this account from all three credit bureaus.

Company response to consumer: Closed with explanation