Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17950521
Santander Resolves Credit Report Dispute with Non-Monetary Action
Complaint Overview
Complaint ID: 17950521
Company: Santander Holdings USA, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Alabama
ZIP Code: 35405
Date Received: 2025-10-31T12:00:00-05:00
Date Sent to Company: 2025-12-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The risk to Santander is low as the issue was resolved with non-monetary relief, indicating a likely administrative or data entry error rather than a systemic problem.
Consumer Sentiment: neutral
Topics: Credit Reporting, Incorrect Information, Account Status
AI Analysis
CFPB complaint 17950521 was filed against SANTANDER HOLDINGS USA, INC. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer reported incorrect account status information on their credit report to Santander Holdings USA, Inc., which was closed with non-monetary relief. The complaint was received on October 31, 2025 from Alabama. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly with the credit reporting agency and the creditor.
Legal Context & Consumer Protection Laws
This case falls under the Fair Credit Reporting Act (FCRA), which governs the accuracy and privacy of credit reporting information.
Regulatory Insight
This situation highlights the importance of accurate data reporting by financial institutions to credit bureaus to avoid consumer disputes and potential FCRA violations.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Alabama, and the resolution was closed with non-monetary relief.
Industry Comparison
Compared to other credit reporting disputes, this is a common type of issue where incorrect account status can impact a consumer's creditworthiness.
Related Issues
Frequently Asked Questions
What is CFPB complaint 17950521 about?
CFPB complaint 17950521 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account status incorrect". This complaint was filed against SANTANDER HOLDINGS USA, INC. on October 31, 2025.
Which company is complaint 17950521 filed against?
Complaint 17950521 was filed against SANTANDER HOLDINGS USA, INC.. You can view all complaints against this company on their profile page at /company/santander-holdings-usa-inc.
What was the company's response to complaint 17950521?
SANTANDER HOLDINGS USA, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 17950521 filed?
Complaint 17950521 was received by the CFPB on October 31, 2025. It was sent to SANTANDER HOLDINGS USA, INC. on December 11, 2025.
What state was complaint 17950521 filed from?
Complaint 17950521 was filed from Alabama. You can view all complaints from this state at /state/AL.
Was the consumer satisfied with the resolution of complaint 17950521?
Dispute information is not available for complaint 17950521.
What product category is complaint 17950521 about?
Complaint 17950521 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 17950521 submitted?
Complaint 17950521 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 17950521?
This case falls under the Fair Credit Reporting Act (FCRA), which governs the accuracy and privacy of credit reporting information. This relates to a Credit reporting or other personal consumer reports complaint against SANTANDER HOLDINGS USA, INC. involving "Incorrect information on your report".
How likely is complaint 17950521 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 17950521?
This complaint is rated as low risk. The risk to Santander is low as the issue was resolved with non-monetary relief, indicating a likely administrative or data entry error rather than a systemic problem.
What regulatory actions apply to complaint 17950521?
This situation highlights the importance of accurate data reporting by financial institutions to credit bureaus to avoid consumer disputes and potential FCRA violations. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 17950521?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information promptly with the credit reporting agency and the creditor.
Are there state-specific protections for complaint 17950521?
The complaint originated in Alabama, and the resolution was closed with non-monetary relief. This complaint was filed from Alabama.
How does complaint 17950521 compare to industry norms?
Compared to other credit reporting disputes, this is a common type of issue where incorrect account status can impact a consumer's creditworthiness.
What constitutes 'non-monetary relief' in this context?
Non-monetary relief typically involves actions like correcting the inaccurate information on the credit report, providing a written explanation, or ensuring the information is not reported in the future, rather than financial compensation.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.