Date Received: 2021-08-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account has been removed previously from my credit reports, then it was reinserted back on to my reports. I filed a FTC report and now they have reinserted the information. Accoring to 15.US. Code 1681 Section ( B ) ( i ) States ... Any information that is deleted from consumers file and then reinserted the consumer reporting agency must in writing not later than 5 business days after reinsertion date. This was not followed by the furnisher so it should be removed.
Company Response:
State: LA
Zip: 70094
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Im seeking my remedy from Santander Consumer Use pursuant to 15 usc 1681n ( a ) ( 1 ) ( b ) since this inquiry has been removed and they are guilty of their fraudulent acts. ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My credit score just ranked XXXX points because your company erroneously reported this XXXX charge off as an open active collection. This XXXX was totaled in a car crash in XXXX I have just apply to relocate out of state and if your erroneous reporting on my credit file is the reason I get denied I will hold you company civilly liable. If you do not know what that means I will file a lawsuit against your company for falsely reporting a closed account as active that resulted in my relocation housing and employment denial. I will sue for all my moving cost, deposit loss, flight cost for my whole family, punitive damages and more if you do not correct your reporting from open active collection to closed in 24hours
Company Response:
State: AZ
Zip: 85295
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: on XX/XX/2021, i sent SANTANDER CONSUMER USA a letter about the inaccurate information reporting on my credit report saying that i owe XXXX.I even sent them another letter asking for the validity of the debt on XX/XX/2021, in which i haven't received.I would like to resolved this matter and i have attached copies of the letters below as well.
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: NJ
Zip: 08094
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Santander Consumer USA XX/XX/2015 Sold to XXXX XXXX XXXX Contacted both companies as well as sent police reports and signed their affidavit but they still continue to report this fraudulent account on my credit
Company Response:
State: TX
Zip: 77014
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SANTANDER CONSUMER USA bal. {$20000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Getting a loan or lease
Subissue: High-pressure sales tactics
Consumer Complaint: XX/XX/2020, I walked into the car dealership in XXXX, Oklahoma at around XXXX. After hours of back and forth, pressure tactics and acting like they were doing me a favor by selling me a car, they said they found a car that I was approved for. By this time it was late, the dealership was closed and everyone was rushing to get us out so they could go home. Most of the lights were even off. We were in the office with the loan manager and he was shoving papers at me left and right ... '' sign here, sign here ... he's printing and printing more papers out ... this just says you can't bring the car back ... this just says you have no warranty.. '' etc. When I tried to ask questions, I could tell he was frustrated by it. He never went over the interest rate or any of that. I finally asked, " How much are my payments? " ..because it was never discussed. He told me {$360.00}. We took our car that night and left Oklahoma the next day. A few months later, I noticed that even though I'm paying all of my payments in full and on time, my pay off balance wasn't going down. I looked through the contract until I found the interest rate. The loan company charged me 18.9 %! And I now see that at the bottom of the contract it says that the dealer will get some of that. A few days ago, I learned that Oklahoma limits the amount to 16 %. I also read that they were supposed to provide me with the Truth In Lending information ... that was not done. I feel like these actions were a form of usury and predatory lending practices due to my low credit rating, my lower income, and them counting on me not knowing the law. I contacted them last month to ask about refinancing to a lower rate. Their response was, " No. We do not refinance our loans. '' The last week of XXXX I called and informed them that I felt like they had not followed the usury laws and that I would like them to correct it. Again, their response was, " No. We do NOT negotiate. '' I have tried to reach out them and they are unwilling to work with me. The law says that if they violate the usury act, they have to pay me that money back and are no longer allowed to charge me interest for the loan.
Company Response:
State: AZ
Zip: 85258
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Show on credit closed, paid off inactive.
Company Response:
State: PA
Zip: 19133
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am currently experiencing a problem with my credit report which involves my report being delinquent with late payments.I WANT SUCH LATE PAYMENTS TO BE REMOVED FROM MY ACCOUNT IMMEDIATELY AND PERMANENTLY. SANTANDER CONSUMER USA AND XXXX XXXX XXXX
Company Response:
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A