Date Received: 2021-08-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is my THIRD DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX XXXX XXXX # XXXX SANTANDER CONSUMER USA # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am who I am ( the original creditor ) of all things on my consumer file, I am not a credit repair agent nor paid attorney, I am sending this as myself the original creditor of all " alleged '' debts on my consumer file. I have been violated under multiple incidents by these consumer reporting agencies and will be seeking litigation if problem are not rectified immediately. The following rights of mine I believe have been violated and are causing punitive damages to my life as the consumer of the united states. ( Offenses number 1 ) 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have " assumed '' a vital role in assembling and evaluating consumer credit and other information on consumers. I never gave XXXX, XXXX, or XXXX ( WRITTEN PERMISSION ) to have this information pertaining to my consumer transactions. Because I never gave this permission I believe this offense also falls under 18 usc 1028 aggravated identity theft ( A ) ( 1 ) ( offense number 2 ) Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, ( possesses, or uses, without lawful authority ), a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( Offense number 3 ) 15 usc 1681 ( Exclusions ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The credit " alleged '' " inquiries " are a private matter and if they are or were factual they are not supposed to be on my consumer file and report. ( offense number 4 ) 15 usc 1692g I also believe is a section regarding validation of debts. Numorius accounts have be disputed and have come back as validated when I ( THE ORIGINAL CREDITOR ) haven't received any type of notice within five days to verify or validate these " alleged debts '' ( I DO NOT VALIDATE NOR VERIFY ANY DEBTS ON MY CONSUMER FILE ). Furthermore under 15 usc 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. All debts on the public and consumers are already paid for by the united states according to what I believe is 31 us code 3123 The Secretary of the Treasury shall pay interest due or accrued on the public debt. Now im not making threats but under 15 us code 1679g ( civil liablity ) Any person who fails to comply with any provision of this subchapter with respect to any other person shall be liable to such person in an amount equal to the sum of the amounts determined under each of the following paragraphs : actual damages, punitive damages and class action. LAstly under 15 usc 6802Obligations with respect to disclosures of personal information I have the legal right to tell you what is considered private to me and what I demand be removed from my file for the sack of my privacy.
Company Response:
State: OH
Zip: 44146
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Company Response:
State: TN
Zip: 38135
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-31
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 XXXX XXXX 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. {$6200.00} 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2021-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I'm having some third party company reporting inaccurate information to all 3 credit bureaus about a past auto loan. I'm asking for written proof showing my signature that I owed this debt and Not some e-Oscar online check. This is a violation of the Fair Credit Reporting Act. This negative reporting needs to be removed from all 3 major credit reporting agencies.
Company Response:
State: FL
Zip: 32828
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Santander USA charged my bank account ACH using my routing and bank number with out authorization, causing overdraft fees on my bank account. These XXXX fees were charged XX/XX/XXXX XXXX XXXX. I made a payment to Santander USA by using my debit card for the amount of XXXX +a fee to process the payment through speedpay on XX/XX/XXXX. I did not authorize the prior payments that were attempted 2 on my account. I do not have auto pay set up at all. I have my stamens come by mail every month which was recently changed to electronic paperless without my permission. By Santander USA attempting to charge my account t for my car note they commuted fraud. I did not authorize the ACH by bank routing number and account number. I did however only authorize my debit card payment. As a result of the fraud commuted Santander USA charged me a XXXX fee for the 2 ACH payments being returned which rolled over into the following months payment in XXXX. I have had XXXX dealings with Santander in the past with payments not being applied appropriately to my account that resulted in a audit. Santander has also reported payments late 30 days late, 60 days late when payments were never 60 days or 30 days late. I have disputed this information with the credit bureaus and most of my credit reports have been fixed. If my payment is 2 weeks late this does not justify 30 days late to report inaccurate information reflecting negatively on my credit report. Another issue Santander was sent a certified letter in XXXX of XXXX asking to stop the harassment of calls. Santander USA confirmed they received the letter along with my certified letter stub. In this letter I asked that I or my co-signer receive no more calls and that all communication be sent in written form. When concerning with Santander that my letter was received the representative XXXX in XXXX of XXXX also deleted our numbers from the system. I also on my phone put a block on the number ( s ) that Santander USA automated system would call from. After recently looking through my XXXX call protect app the calls are blocked by the company continues to call the phone numbers associated with the account that were deleted and in writing a deceits and desist letter as mentioned above. This is a clear violation of the FCRA, and constitutes as harassment. I sent a message in my Santander USA app on XX/XX/XXXX putting Santander on notice yet again and asking that my credit report and my loan fees be waived. I also requested for a audit of all my payments, how it was paid and the date processed to ensure accuracy, as in accurate information has occurred on this loan several times. I have all documentation to support my claim as stated above.
Company Response:
State: FL
Zip: 32904
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
Company Response:
State: OH
Zip: 44107
Submitted Via: Web
Date Sent: 2021-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-31
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Santander auto loans have been involved in a 32 state lawsuit and the class-action lawsuit is complete with Santander being required to pay out billions of dollars in retribution. I am one of those people on said lawsuit. His company has repeatedly refused to provide me documentation they have charged off my loan while I was in the middle of paying it they have incorrect information on my credit report they refuse to fix for over 2 years from the amount that they stated are owed to the late payments which were not late to the fact that now I have no title still to this vehicle. I have paid over {$35000.00} for a used vehicle and they have no record of the original contract they refused to send it to me and they refuse to acknowledge that I put a down payment on a vehicle that they never applied to the actual balance of the loan. I have every piece of documentation yet I don't have the original contract from them only from the dealership. For example in XXXX of XXXX they stated I owed {$17000.00} on the vehicle and they reported that to all of the credit bureaus however when I log into my account the balance I owed in XXXX with {$17000.00} with 188 payments being made almost equaling the amount of {$500.00} for each payment. So therefore that small example shows that they are fraudulent and they actually owe me money. There are 188 entries and transactions in my account for Santander showing every painted that I made from XXXX XXXX until XX/XX/XXXX. How would I still owe them money? Why would they charge off an account that I am still paying on? From XXXX of XXXX until XXXX of XXXX I have every transaction and I have every transaction from my bank before that as well. If this is not fixed I am working with a credit repair company and an attorney to get this taken off and this is my final attempt to do this the right way.
Company Response:
State: MI
Zip: 48167
Submitted Via: Web
Date Sent: 2021-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I purchased a car from XXXX in XX/XX/XXXX. They utilized Santander, an XXXX authorized lender, for financing. Not making enough money working XXXX, I fell behind in my $ XXXX monthly payments. They repossessed my car in XXXX XXXX. Santander was sued by a group of Attorney Generals ' and a settlement was agreed upon. As noted in the press release, " The settlement resolves allegations that Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. Todays settlement stems from a multistate investigation of Santanders subprime lending practices, which began in XXXX. I meet the parameters for relief outlined in the Attorney General 's lawsuit yet, I was not included in the restoration of deleting the car from my credit reports nor refunding me the monies I paid in settlement ( {$5000.00} to XXXX XXXX XXXX ). I have called many times and all they continue to tell me that they do not know why I wasn't on the list.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A class action lawsuit against Santander bank was bought forth last year which I was one of the victim 's in the lawsuit. Santander bank was accused of fraudulent and predatory car loans which has been deemed illegal. The case was settled out of court and Santander bank was required to remove all loans and or Derogatory remarks on my credit report. The class action lawsuit is very much public information. I would like this account to be removed from my credit report. Your efforts in investigating this matter would be appreciated. Please respond at your earliest convenience regarding the results of your investigation.
Company Response:
State: NY
Zip: 10303
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A