Date Received: 2021-09-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My credit has been pulled fraudulently. Please remove inquiry
Company Response:
State: CA
Zip: 94706
Submitted Via: Web
Date Sent: 2021-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This doesn't belong to me with these authorities/leasers. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
Company Response:
State: CA
Zip: 92394
Submitted Via: Web
Date Sent: 2021-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Victim of a Predatory loan fiananced by Santander XX/XX/2013. Santander has XXXX and XXXX me over a decade through false reporting negative information to the credit bureaus and parking bad debt in an attempt to coerce payment. Filing a complaint with the CFPB looking for support only made things worse and emboldened their behavior. Actively violating the CFPB consent. CFPB received civil funds for consumers harmed totaling {>= $1,000,000} from judgement against Santander over a year ago. CFPB data shows complaints in Massachusetts show no slowing down. I was not notified by CFPB as a victim harmed? Why is their no accountability with enforcement regarding the orders and stipulations that were signed in court?
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2021-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I reviewed my credit report. I have an auto loan reporting from Santander a loan I never opened nor applied for. The applicant apparently lives at an address I also have never lived at. I sent this information to all the credit reporting agencies that are reporting this incorrect information so as to have it removed. I also notified the lender in question that the loan being reported on my credit report is not mine as I have never applied for a loan with Santander nor purchased a vehicle from the dealer of record.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from Santander Consumer USA Inc on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. Santander Consumer USA Inc violated federal law. see 15 USC 1681b A2. I did not give Santander Consumer USA Inc Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.
Company Response:
State: PA
Zip: 17013
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2017 with a balance of {$650.00}.
Company Response:
State: NJ
Zip: 08755
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This just proves your lack of proper record keeping. Now, this item is reporting to be late, yet it is closed and the balance is XXXX. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Your illegal activities are a violation of UCC law, FDIC policy, and the FDCPA.
Company Response:
State: FL
Zip: 33176
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Car loan was paid in full on XX/XX/XXXX. Company submitted on XX/XX/XXXX to credit bureaus that I was 90 days past. As of XXXX they submitted I am 30 days past due.
Company Response:
State: NE
Zip: 68134
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a Vitim of the consent order that was filed against Santander Consumer USA Inc. ( Santander ) that addressed the Bureaus finding that it violated the Fair Credit Reporting Act ( FCRA ). Santander has continued to furnish inaccurate information regarding to credit bureaus with account information that is completely inaccurate and does not belong to me. I have contacted Santander Consumer USA IncXXXX multiple times and the company has failed to provide information regarding this debt and has not removed this debt from my credit report which has impacted my credit score and access to credit. Additionally Santander has reported varying information regarding the CRA 's and has failed to verify the accuracy of the information reported. Santander Consumer USA Inc. has a known history of predatory auto lending and request the details of this complaint are investigated promptly. I have contacted the XXXX XXXX, and XXXX who have also failed to accurately investigate these concerns in a timely manner and resolve this complaints noted. Additionally, the bureaus have failed to provide details regarding the investigation.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A