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Santander Auto Loan Advice

The last post in this topic was posted 2251 days ago. 

 

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In 12/2011, I received an auto loan from Santander. Long story short, the dealership falsified documents to get me the loan. After speaking with a friend, I decided to get another car and got approved for another auto loan with Honda Financial with a lower payment, which I have made all my payments on time. I later received claim documents from my insurance company at the time about an accident on 5/22/2013, that I know never took place. I called my insurance company and they told me Santander filed the claim. I called Santander, and found out Santander for some reason, called my insurance company and filed a "loan servicer claim" on 5/22/2013 for damages on the car. The catch is... the car was still in my possession until 6/2/2013, which was a week after I called to surrender the car. :dntknw: I was so confused and they couldn't give me an answer as to why they did it, and I kept getting the run around from Santander and my insurance company. Just a big hot diddly mess. :stop:

 

I want to dispute it because it is the biggest factor affecting my reports. They are showing in the report as a default on auto loan and not a voluntary surrender or repossession. The account was charged-off 6/2013. The TL is still fresh, but I'm think with all the inconsistencies and things that have happened while I had this car, that I might somehow have a case. I live in Florida, and if I can recall the SOL is 5 years for written contracts.

 

Should I start a dispute, do a PFD or just hire a lawyer to help solve this? I'm not looking for any settlement from this issue. I just want it off my credit reports. :unsure:

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