Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Santander Bank is reporting false information to all 3 credit bureaus. They are saying to anyone who checks my credit that my credit is blocked falsely. Falsely reporting my debt relief company XXXX XXXX XXXX is paying my debt payments late every month or not paying the payments at all and falsely reporting that all of my old credit cards are in collection agencies when only some of them are and they are saying they are not paying or going to pay all of them. They are also saying XXXX XXXX XXXX  is not a reputable company and doesn't pay anyone 's debts or they don't pay on time. XXXX is also reporting my credit score is poor and it is not and making all 3 credit bureaus report my credit score as poor illegally and making all 3 credit bureaus lower my credit score on purpose because they think my XXXX orientation is XXXX when it is not so they will discriminate against me. XXXX XXXX XXXX is reporting to me that Santander Bank is also doing to other customers of theirs who also have them too. I can believe that but can not say if they are really doing that to other customers of theirs besides me, but I think they are. It is their higher ups doing this not their regular XXXX or regular XXXX that are doing this. None of them have any proof that this is true what they are saying. It is not. I am not making this up or lying and I am not a mental case or have any mental problems and XXXX XXXX  is doing this because they think that I am XXXX. They may also be doing this because my brother XXXX XXXX is telling them lies that I am a mental case and they just believe him. He also falsely claims that he has a power of attorney on me to do this. He does not and can't do this in Massachusetts anyway even if he had a power of attorney on me which he does not. This is all true and they are all doing this. Ask my doctors if you don't believe me. I do not have any mental problems. Also ask the 3 credit bureaus if you don't believe me. They will tell you that I am telling the truth. Santander Bank is trying to ruin my life because their higher ups think that I am XXXX. They will lie and say I am lying when I am not. They are lying to try to ruin me for life. Do not let them stop you from fixing this because they are doing illegal things to me. The credit bureaus can prove that I am telling the truth and XXXX XXXX XXXX can prove they are paying or will be paying all my old credit card debts and will or are paying them and paying on time according to the settlement agreements they get and that are approved by me. Santander Bank is illegally falsely reporting and lying to all 3 credit bureaus and that is the truth. Please help me to stop them and do your job and do something about them before they ruin my life permanently for life what they are trying to do illegally because they think that I am totally XXXX and they think they can get away with that. That they don't think that they have to go by laws of the USA that they can do anything they want to for whatever reason and get away with that. They are making all lawyers believe that they are doing nothing wrong when they are. Tell them the truth that they are not allowed by law to do what they are doing and don't let them bully you or stop you from fixing this. Make them do what they are supposed to do by law. Please do your job and help me before they ruin my life permanently. Please tell others not to get XXXXantander Bank because they may do this to them too. I will do the same. Thanks XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation