Consumer complaint received 2025-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I am filing a formal complaint against Chrysler Capital for reporting inconsistent and inaccurate late payments on my credit report. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), and I am prepared to contact XXXX XXXXXXXX XXXX to explore legal action for damages related to inaccurate credit reporting. 

Key Issues : Inconsistent and Inaccurate Reporting of Late Payments Chrysler Capital has reported multiple late payments inconsistently across different credit bureaus ( XXXX, XXXX, and XXXX ), which directly violates the FCRAs mandate to maintain accurate and consistent reporting. 
According to the credit report, the following inconsistencies were found : XXXX : Shows XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XXXX late payments in XX/XX/XXXX and XX/XX/XXXX. 
XXXX : Shows XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XXXX late payments in XX/XX/XXXX and XX/XX/XXXX. 
XXXX : Shows no late payments for the same periods. 
These discrepancies indicate that Chrysler Capital has failed to ensure accuracy and consistency across credit bureaus, leading to significant harm to my credit profile. 
Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Possible Accuracy : Chrysler Capital has violated this provision by reporting inconsistent late payments across different credit reporting agencies, failing to ensure maximum accuracy. 
15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to Investigate Disputes : I have disputed these inaccurate late payments previously, but Chrysler Capital failed to conduct a reasonable investigation to resolve the inconsistencies. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to Provide Accurate Information : Creditors must not furnish information that they know or have reasonable cause to believe is inaccurate. Chrysler Capitals inconsistent reporting indicates a lack of proper data verification. 
Failure to Rectify the Inconsistencies After Dispute Despite my attempts to dispute the inaccurate reporting, Chrysler Capital has failed to correct the inconsistencies or provide a legitimate explanation for the discrepancies. 
This failure to address my dispute properly and promptly is a clear violation of the FCRA and has caused significant damage to my credit score. 
Prepared to Take Legal Action I am prepared to contact XXXX XXXX XXXX, which assists consumers in suing creditors and credit bureaus for violations of the FCRA. 
Chrysler Capitals negligence in ensuring accurate reporting and failure to address disputes may result in legal liability for damages. 
Legal Precedent Supporting This Complaint XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) The court ruled that credit reporting agencies must conduct independent and reasonable investigations when a dispute is raised. 
Chrysler Capitals lack of consistent reporting violates the requirement for accurate information. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) The court ruled that failure to update disputed accounts and correct inaccurate information is a violation of the FCRA. 
Chrysler Capitals refusal to resolve the inconsistencies even after disputes is a clear breach of the FCRA. 
XXXXXXXX XXXX  XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX ) The court ruled that reporting inaccurate data without conducting proper investigations is a willful violation of the FCRA. 
Chrysler Capitals negligence in data verification and inconsistent reporting meet the criteria for willful misconduct.

Company response to consumer: Closed with non-monetary relief