Consumer complaint received 2023-11-08
Company: SANTANDER HOLDINGS USA, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i recently received a copy of my credit report and i noticed an account on my consumer report that should not be on there. I demand the below account be deleted from my consumer report immediately.bank ( Chrysler capital ) acct # XXXX. the reporting of this account is/are violations of 15USC 1681 ( a ) ( 2 ) ( b ) : ( EXCLUSIONS-Except as provided in paragraph ( 3 ) the term " consumer report '' does not include ( B ) any authorization or approval of a specific extension credit card or similiar device, so under the thruth in lending act 15USC 1602 ( g ) " credit card '' is defined as the following : The term " credit card '' means any card, plate, coupon book or other credit devices existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are used for extension of credit. I am writing in regard to the above refenced account and transactions. this vehicle was purchased at XXXX XXXX dealership on XX/XX/2018. I have recently come across inform from the federal trade commission ( FTC ) more specifically the gramm-leach billey act 15usc 6802 obligations with respect to disclosures of personal information. ( a ) notice of requirements except as otherwise provided in this subchapter, a finacial institution may not, directly or through any affiliate disclose toa nonaffiliated third party. any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title, In general a financial institution may not disclose nonpublic information to a nonaffiliated third party unless finacial institution clearly and conspicuously discloses to the consumer, in writing or electronic form or other form or other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third party ( b ) the consumer is given the opportunity before the time that such information not be diclosed to such third partyand ( c ) the consumer is given an explantion of how the consumer can exercise that nondisclosure option. ( XXXX XXXX dealership ) or chrysler capital did not disclose this information to me that is required by federal lawXXXX XXXX dealership knowingly and willfully witheld pertinent information regarding the disclosure of my information to affiliated and non affiliated third parties.XXXX XXXX  dealership knowingly and willfully withheld information that explained how i the consumer can exercise that nondisclosure option.you are in violation of several laws you have 10 calender days from the receipt of this letter to delete this account from all credit reportiong agencies that you have furnished this information to along with all my consumer reports that this information is on. should you decide to discriminate against me for future business and or product because i excercised my rights under this or any chapter i will be coming for you for danages and i will use contents of this coreespondence as proof os such decision. in regards of XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief