Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #18208446
Complaint Overview
Complaint ID: 18208446
Company: Santander Holdings USA, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Nevada
ZIP Code: 89084
Date Received: 2025-12-21T12:00:00-05:00
Date Sent to Company: 2025-12-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting a complaint regarding inaccurate and harmful credit reporting related to a Chrysler Capital account that has been closed since XX/XX/year>. Despite the account being closed, it continues to be reported with a derogatory remark that is negatively affecting my credit score. I have disputed this item multiple times with all three credit reporting agenciesXXXX XXXX, and XXXX written correspondence on various dates. To date, no action has been taken to permanently remove this derogatory item, and it continues to appear on my credit reports. The late payments associated with this account occurred during the XXXX pandemic. During that time, I became XXXX XXXX XXXX XXXX XXXX and was unable to work or secure employment. These circumstances were beyond my control and directly affected my ability to make timely payments. Because the account has been closed and the negative reporting stems from documented hardship during the XXXX, the continued reporting of this derogatory remark is inaccurate and unfair. I am requesting that XXXX XXXX correct this issue by permanently removing the derogatory information from my credit reports.
Frequently Asked Questions
What is Complaint #18208446 about?
Complaint #18208446 was filed against Santander Holdings USA, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-12-21T12:00:00-05:00.
How did Santander Holdings USA, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Santander Holdings USA, INC.?
Yes, visit the Santander Holdings USA, INC. company profile at readthecomplaint.com/company/santander-holdings-usa-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.