Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX COMPANY : XXXX XXXX ( XXXX ) ACCOUNT NUMBER : XXXX Subject : Formal Complaint to XXXX XXXX XXXX XXXX and Demand Account Deletion Under FCRA To the CFPB and XXXX XXXX, I am filing this formal complaint against XXXX XXXX ( reporting as XXXX ) for failing to accurately report an automobile loan account on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). I have previously disputed this information with the credit bureau ( s ), [ and it was verified/OR : I am disputing it directly with you now ]. The account contains multiple, serious factual inaccuracies that make it impossible to verify, and I demand its immediate deletion. 

The account in question is reported by XXXX with the following details ( as of today 's date ) : Reported Date : XX/XX/XXXX Status : Derogatory, Closed, Charge-off Closed Date : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Remarks : " Profit and loss write-off '' Payment History : Shows 8 % on-time payments, but a monthly history filled with " Warning '' statuses and reports of being XX/XX/XXXX30/60 days late. 

Specific Inaccuracies and Violations : Factual Inconsistency Between Charge-Off Date and Last Payment Date : The account is reported as " Closed '' and charged off ( Profit and loss write-off ) on XX/XX/XXXX. 

However, the " Last Payment '' is listed as XX/XX/XXXX. 

This is a direct contradiction. An account can not be closed, charged off, and written off as a loss, and then receive a payment over two months later. This fundamental error proves the data being reported is factually inaccurate and unreliable. 

Contradictory and Unverifiable Payment History : The summary states " Youve made 8 % of payments for this account on time, '' which suggests some positive history. 

However, the detailed monthly payment history is a series of " Warning '' statuses and reports 2 instances of being 30 days late and 3 instances of being 60 days late. 

These two pieces of information conflict with each other, creating a confusing and unverifiable picture of the account 's history. Under Section 623 of the FCRA, furnishers have a duty to provide complete and accurate information. This internal inconsistency is a failure of that duty. 

Legal Basis for Complaint : The FCRA, specifically 15 U.S.C. 1681s-2 ( b ), requires that furnishers of information ( like Chrysler Capital ) conduct a reasonable investigation when they receive a dispute about the accuracy of information from a Credit Reporting Agency . Furthermore, furnishers must report accurate and verifiable information. 

The errors I have described are not minor. They are material inaccuracies that severely impact my creditworthiness. Because of these internal contradictions, the data for this account can not be verified as accurate. The proper remedy for unverifiable information is its complete deletion from my credit file. 


Desired Resolution : I demand that XXXX XXXXl immediately : Notify all nationwide credit reporting agencies ( XXXX XXXX XXXX XXXX  ) to permanently delete this entire account from my credit history. 

Provide me with written confirmation that this deletion has been requested and completed. 

The presence of this inaccurate, derogatory account is causing me significant harm by lowering my credit scores and denying me access to favorable credit terms. I expect a prompt resolution to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief