Consumer complaint received 2023-10-13
Company: SANTANDER HOLDINGS USA, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
XXXX An auto loan was taken out in my name using my social and address and 14-year-old expired XXXX XXXX  Identity theft . 
The company is Santander, and the dealership is XXXX XXXX in XXXX XXXX where I leased my XXXX XXXXXXXX XXXX XXXX years prior. I had stopped in the dealership for service in XXXX. While I was there, I inquired to the person who helped get the lease in XXXX They asked to run my credit and so I said yes and I signed something with my finger and the agent. It was a basic inquiry for the future sitting around waiting to get a call with the info regarding the future cost and my residual might be in XXXX XXXX XXXX when it was due initially. The dealer said XXXX XXXX XXXX with payments XXXX than i was paying on 3-year lease at XXXX @ month. ( An ID from State of Maryland that was expired XXXX and never renewed was used ) The company is Santander, and the dealership is XXXX XXXX in XXXX XXXX where I leased my XXXX XXXX XXXX XXXX  years prior. I had stopped in the dealership for service in XXXX. While I was there i inquired about the person who helped get the lease in XXXX. They asked to run my credit and so i said yes and i signed something with my finger and was told i get a call with the info it regarding the future cost and my residual might be in XXXXXXXX XXXX XXXX when it was due initially. The dealer said XXXX XXXX XXXX with payments XXXX than i was paying on 3-year lease at XXXX XXXX month. ( which all 3 credit agencies reported monthly but have absolutely show no record of. It is an admitted reality that systems both public and private in the past were created biasedly with racism and bigotry inherently woven into a shroud of dichotomy and an antiquated paradigm .. Bornin XXXX I have experienced the change I have paid XXXX XXXX for some 11 years to watch it. Santander started reporting this fraudulent loan in XXXX XXXX XXXX indicating I bought my own lease on XX/XX/XXXX. By a twist of fate my car was towed on XX/XX/XXXX outside my apartment. when I went to recover my XXXX I needed a title to retrieve my car. The Date was XXXX or XXXX XXXX XXXX XXXX informed me I was on the title and the Car was registered to Santander inc. called them. discovered they were a finance company and they in XXXX paid of my lease and opened a loan I had no knowledge. I on the spot told them my identity was stolen I did have knowledge or authorize any loan. Over the next two weeks I walked and worked with the county exhort Santander that the XXXX that was mine and because of criminal deception is now you can only retrieve you. Santander between XXXX XXXX police impound and myself over the several months indicated the vehicle could be only retrieved by the until I get a letter from dealership, they placed my name on title XXXX  which i filed a report with consumer financial protection Agency and the local police. literally within days of the fraudulent addition of me to a title of car i never purchased Santander inc representatives stop taking my calls in weeks Santander reported a 5-month loan that not XXXX dollar ever paid on to the credit agencies as a XXXX unretrievable basically I stole my own leased vehicle. Evidence recorded by XXXX XXXX just further verifies that Santander knowingly ignore the truth in order to claim loss and sell it to collection agency record since for months they were the only titled owner and the manager gave them well beyond the 30 days before they County finally dispositioned the Vehicle in XXXX XXXX XXXX months beyond the date it was eligible to be auctioned. 

Please remove fraud report of debt by Santander Inc and please report your action to XXXX and XXXX as I will also dispute the error in reporting. 
An auto loan was taken out in my name using my social and address and 14-year-old expired XXXX XXXX Identity theft .

Company response to consumer: Closed with explanation