Date Received: 2021-07-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: THIS IS NOT A DUPLICATE. RESUBMITTING COMPLAINT SINCE DOCUMENTS WOULD NOT LOAD IN LAST ONE. Santander Consumer USA has repeatedly violated my Consumer rights, and right to operate in commerce. I purchased a vehicle as a consumer transaction back in XXXX using my social security number. My social security card/number belongs to the Social Secuirty Administration and anything purchased with your social is the obligation of the United States in accordance to Truth in Lending 15 USC 1601. A credit card ( as defined under 15 USC 1601 ( I ) the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The FDCPA 15 USC 1692 never uses the term Borrower. I can not borrow my own money. Santander Consumer USA has referred to me as a Borrower in contract which is a violation. The only one who can extend credit is the one creating the debt, which is done with the use of my social security card/number. Banks can not loan money, it is illegal for a bank to loan money or extend credit. I have expressed these violations through mail which Santander Consumer USA has stated on record they received. I submitted an affidavit of truth, cease and desist granting my title lien free, an invoice of {$3000.00} for violating my federal protected consumer rights, and a debt validation letter. Santander Consumer USA has yet to provide me with a sworn affidavit of truth or a proper debt validation letter which again is in violation of 15 USC 1692. I have the right to request any and all debt validation. Santander Consumer USA has a clear and blatant disregard for federal law and continued to send me statements requesting to pay an alleged debt on a consumer transaction XXXX another violation of 15 USC 1692 ) and are now threatening to repossess my vehicle which will be theft. I have also expressed my Consumer right to demand all reporting to consumer and credit retorting agencys must cease and desist, and that demand has not been met. Santander Consumer USA is actively damaging my reputation and in violation of the FCRA 15 USC 1681.
Company Response:
State: FL
Zip: 33137
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My information was use to open credit card and store card accounts without my permission. My drivers license and social security number was used to open these fraud accounts. I have know known knowledge of these accounts ever.
Company Response:
State: FL
Zip: 34748
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have a creditor named Santander that I had a vehicle with over 7 years ago. I have disputed the accuracy of last payment date which is inaccurate, and is severely hurting my credit score. The account still shows on XXXX and refuses to be removed even after the 7 year statue. XXXX is not helping to actually investigate this issue.
Company Response:
State: CA
Zip: 95758
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander stated loan would be removed from my credit due to a lawsuit filed against the company. Santander was required per the lawsuit to remove the balance off my account. Car repossessed and sold qualifies for a deficiency balance waiver and showed be removed.
Company Response:
State: GA
Zip: 30327
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have these items that are not mine and i want them to be remove from my credit. XXXX 1. Identity Theft CAPITAL ONE Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft TBOM/VERV FA Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. XXXX 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft SANTANDER CONSUMER USA Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. XXXX 1. Identity Theft CAPITALONE Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I XXXX XXXX entered into a consumer credit transaction back in XX/XX/XXXX with Santander Consumer. A consumer credit transaction is a transaction where a finance charge is involved. Pursuant to 15 usc 1605 the finance charge is the sum of ALL charges in any consumer credit transaction. Since the finance charge is the sum of all charges I should not be receiving any 'bills ' from Santander USA but I have been receiving bills from Santander Consumer USA since XX/XX/XXXX which is a violation of 15 usc 1692b. I now understand that pursuant 15 usc 1692a ( 3 ) I AM the Consumer. Santander Consumer USA has been fraudulently taking payments from me and I need your help in this situation. I have already sent them ALL forms and proof of the deception they have pulled on me and they are in receipt as of XX/XX/XXXX
Company Response:
State: CA
Zip: 92307
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The Statute of limitations to collect the debt based upon FTC Law and Federal Truth In Credit Reporting Act has expired for Santander Consumer USA and XXXX XXXX Bank has expired as when the last payment was made on each accounts. In addition, the original Santander Consumer USA original contract was void/and or null as terminated. Do not owed any money and continue to illegally report as late and past due as a negligence with failure of due diligence law. XXXX XXXX Bank offered a additional settlement offered as a compensation which they have also failed to honor under a legally bonded class action. Continue to report incorrect information. The six years requirement is met.
Company Response:
State: NY
Zip: 10305
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: XX/XX/21 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. {$15000.00} I went to a dealership to trade my car in for a different one at XXXX XXXX where they ran my credit through all of these companys an I had {$45000.00} in the bank at XXXX XXXX XXXX at the time. All these companys denied me a loan there are several more on different dates. An all these inquiries are posted on my consumer report
Company Response:
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A