Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4536412
Complaint Overview
Complaint ID: 4536412
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: Information belongs to someone else
State: Texas
ZIP Code: 77076
Date Received: 2021-07-12T12:00:00-05:00
Date Sent to Company: 2021-07-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
not my ADDRESS and accounts, names FCRA violations XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual SANTANDER CONSUMER USA Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. XXXX {$2500.00} Closed 15 potentially negative months Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$2500.00} {$2000.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$790.00} Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 60 90 120 120 CO CO - - - - - - XXXX 30 30 60 90 120 120 30 XXXX 30 30 XXXX XXXX XXXX XXXX - - - - On Time CO Charge off 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Is everything correct? If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. Dispute this account XXXX XXXX {$510.00} Closed 19 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$510.00} {$500.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$170.00} Highest balance $ XX/XX/XXXXMonthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO CO CO CO - - - - - XXXX 30 60 90 120 120 CO CO CO CO CO - CO XXXX - 30 XXXX XXXX XXXX XXXX XXXX - - - - - - - On Time CO Charge off 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account closed at credit grantors request Your statements - Contact XXXX XXXX XXXX XXXX XXXX, SD XXXX By Mail Only Is everything correct? If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. Dispute this account XXXX XXXX XXXX {$6100.00} Closed 47 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$6100.00} {$5600.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$6100.00} Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO CO CO - - - - - - XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO CO CO CO - CO XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX 30 30 60 90 - - CO CO XXXX - - - On Time CO Charge off 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX, MO XXXX By Mail Only Is everything correct? If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. Dispute this account XXXX XXXX XXXX {$7000.00} Closed 49 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$7000.00} {$6500.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$7000.00} Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO CO CO - - - - - - XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO CO CO CO - CO XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX 30 60 30 60 90 - - CO CO CO XXXX - On Time CO Charge off 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX, MO XXXX By Mail Only Is everything correct? If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. Dispute this account XXXX-XXXX XXXX {$610.00} Closed 6 potentially negative months
Frequently Asked Questions
What is Complaint #4536412 about?
Complaint #4536412 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 2021-07-12T12:00:00-05:00.
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.