Credit reporting or other personal consumer reports — SANTANDER HOLDINGS USA, INC. (LA)

Reporting company used your report improperly. My vehicle was totaled in XX/XX/year>. I began the XXXX claim process, but Santander refused to provide a copy of my loan contract, which is required to complete the claim. Despite multiple requests, they never sent the document. In XX/XX/year>, they charged off the account and began seeking a settlement, even though the XXXX process was still pending and unresolved due to their non-cooperation.