Product: Credit reporting or other personal consumer reports

XX/XX/XXXX RE : Official Complaint against the following : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, ( XXXX ) XXXX. 

XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX ) XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Floor, XXXX, UT XXXX XXXX ( XXXX ) XXXX For Violating XXXX XXXX 's rights. 


I am writing to you today not only to formally address the grave injustices I have suffered. I also demand immediate action on the violations committed by SANTANDER XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX XXXX ( XXXX ). 

In which, XXXX and XXXX have allowed to persist and reflect upon my credit. 
Said Creditors and Credit Bureau have causes irreparable harm to me and my child. 

We are XXXX, living on a fixed income, and facing profound distress because of their actions, which have led directly to our homelessness and placed us in an ongoing state of crisis. 

In the creditors unlawful actions they have Failed to Provide to me a copy of the 1099-C Form, which they filed with the IRS to Cancel Debt. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and SANTANDER / XXXX charged off /wrote off a debt in my name, and as required by law, a copy of the 1099-C form should have been issued to me.

Despite my repeated and earnest requests for this crucial document, they have deliberately failed to provide it. The 1099-C is essential for me to prove insolvency, as I receive XXXX income and I can not afford to.pay taxes on a canceled debt. Without a copy of the 1099-C in which the creditors have filled out ; I am left with no means to demonstrate to the IRS that this debt is not taxable. 

SANTANDER / XXXX  ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX XXXX ( XXXX ) refusal to provide this form is not just an inconvenience ; it is an obstruction to my ability to manage my financial affairs and to comply with federal tax regulations. 

In addition, XXXX XXXX XXXX XXXX ( XXXX ) Rented out the vacant apartment unit immediately after my child and I vacated. Management also took pictures of a damaged from a unit I never entered, and fraudulently reported as mine. Furthermore, I am named in the XXXX class action lawsuit, as a Victim of predatory lending fo the SANTANDER / XXXX XXXX XXXXXXXX ) account ( which was also.written off ). Santander XXXX XXXX XXXX Confirmed my inclusion in the $ XXXX dollar Class Action Lawsuit ; on a recorded phone call, of which I have in my possession. 

Violation of My Consumer Rights by Withholding Documentation : Under the Fair Debt Collection Practices Act ( FDCPA ), I am legally entitled to receive the proper documentation for any debts reported against me. 

Said Entities have failed to provide this, obstructing my ability to resolve the matter legally and Denying me the tools necessary to regain my financial footing. Their refusal constitutes a direct violation of my rights as a consumer. 

Inaccurate and XXXX XXXX XXXX : Despite my efforts to have the incorrect information removed, the canceled debt continues to be reported by XXXX and XXXX, severely damaging my XXXX XXXX and preventing me from obtaining housing, and basic necessities. 

The inaccurate reports are not merely numbers on a screen they are the reason I have been unable to secure stable housing for myself and my child. They are the reason I struggle to provide basic needs ( living in hotels ). 

The creditors actions is the reason my mental and physical health has deteriorated, all due to the unrelenting pressure caused by this unjust situation. 

The Devastating Consequences of SANTANDER / XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Actions : The effects of said creditors failure to provide necessary documentation and the credit bureaus refusal to correct their records have been nothing short of catastrophic for me and my child. 

We have been forced into homelessness, and live in constant uncertainty. We have been unable to find shelter, and I struggle to meet the daily needs of my child. The emotional toll on both of us have been unbearable. 

As a XXXX individuals. I have no means of resolving this matter without the proper documentation, and yet, despite my desperate situation, said creditors continue to withhold the very document I need to fix this mess and get a XXXX. 

The prolonged emotional stress has severely impacted my health, and exacerbated my XXXX. I can not stress enough how deeply this has affected every aspect of my life. I live in constant fear for my childs safety and well-being because of the dire living conditions weve been forced into. 

All of this is a direct result of the following account and amounts fraudulently reported by SANTANDER / XXXX ( XXXX ) {$18000.00}, XXXX XXXX XXXX XXXX ( XXXX ) {$2400.00}, and XXXX XXXX XXXX XXXX ( XXXX ) {$4100.00}. Said creditors actions, and the ripple effects of these decisions will continue to harm us for the foreseeable future. 

My Claims : Violation of the Fair Debt Collection Practices Act ( FDCPA ) : creditors have violated the FDCPA by refusing to provide me with the legally required 1099-C form and denying me the means to resolve tax matter. Creditors failed to meet their legal obligations, which have caused immeasurable distress. 

Violation of the Fair Credit Reporting Act ( FCRA ) : XXXX and XXXX have violated my rights under the Fair Credit Reporting Act ( FCRA ) by allowing false and inaccurate information to remain on my credit report, despite my formal disputes. This has resulted in severe harm to my credit, and by extension, to my ability to provide a stable environment for my child. 

Unfair and Deceptive Practices : By withholding essential documentation and allowing the continued erroneous reporting of canceled debt, all parties actions have not only violated my rights but also led to unfair business practices that have placed my family in a vulnerable and dangerous situation. The psychological, emotional, and physical toll these practices have had on me is incalculable. 

Respectfully Submitted, XXXX XXXX