Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4330938
Complaint Overview
Complaint ID: 4330938
Company: Santander Consumer USA Holdings INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: New York
ZIP Code: 11433
Date Received: 2021-04-27T12:00:00-05:00
Date Sent to Company: 2021-04-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Since XX/XX/2019 I have made consistent current payments to Santander consumer USA on an original open current account with the vehicle still in my possession. The account has not been sold to any debt collection agency however my credit reports are showing the account is charged off and closed. Although the account became delinquent in XXXX due to XXXX and as a result, a change in income, I have since as previously stated overcome the financial/medical hardship and continue to make on time payments that are not being reflected as positive monthly payments but showing a reduction in principle amount on what appears to be a closed account where its giving the impression that the car may not be in my possession or is appearing to be in a repo status. I would like the current status of my account which is open, as seen and confirmed in Santanders system by several representatives to be reflected, as opposed to the delinquent status being reported to the credit bureaus. I do understand that a company has right to charge off an account due to delinquency so I am not requesting necessarily the removal of the charge off just that the current status of account is shown accurately. I have documentation showing history of payments and a hard copy bill statement stating account is current. I have enlisted the help of XXXX law to assist in this matter however I am in dire need to have this expedited and corrected because my credit score is severely being impacted
Frequently Asked Questions
What is Complaint #4330938 about?
Complaint #4330938 was filed against Santander Consumer USA Holdings INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2021-04-27T12:00:00-05:00.
How did Santander Consumer USA Holdings 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, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Santander Consumer USA Holdings INC.?
Yes, visit the Santander Consumer USA Holdings INC. company profile at readthecomplaint.com/company/santander-consumer-usa-holdings-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.