Consumer complaint received 2021-04-10
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Around XX/XX/XXXX ... I recently reviewed my credit report and noticed XXXX items that were on my credit report. I reached out to the credit reporting agencies by phone in XX/XX/XXXX and certified mail shortly thereafter I started this process in the year XXXX only to receive reports with what appeared to be updated information. I then begin to do my due diligence to call XXXX XXXX a collection agency asking where did they get my information from the agent was very hostile and demanded money. I stated I have no idea who you are and I do not own a vehicle or purchased a vehicle with your agency I asked the agent was this a joke and the agent hung up. I then contacted an attorney only to inquire information the attorney said he could handle this with no problem but try to dispute first. I sent a letter of reinvestigation. I requested a credit report every Monday until this date the collection went away but now I called them back and started asking more questions. I was advised to contact Santander USA about the agency reporting the error in information this was no longer a concern for them. I was baffled and said well I will. I spoke to a gentleman early XX/XX/XXXX and he went round and round with me only to say send a request in writing. I asked him do you have a file or account for me I gave the account number from the report and my social he still stated please submit a written request as we do not see a file for you in our data base. This was during COVID 19 of XXXX and I did not get any information over the phone or by mail. I sent a certified letter on XX/XX/XXXX I yet have not heard from them another letter certified in XX/XX/XXXX four months later. 
I am literally going nuts bonkers arguing daily when I asked kindly for information and a letter of proof this burden is causing me a great deal of stress. I also saw a bankruptcy that is reporting I called the bankruptcy court fifteenth times and finally spoke to a Manger name XXXX who stated the bankruptcy court does not give out information to third parties agencies and Please come in person to request any information or contact the attorney I filed with I said lady there is NO ATTORNEY. 
I went down to the bankruptcy court on XX/XX/XXXX in person Deputy XXXX who stated you must go on pacers website or go in the big room to file a complaint or search out data base so I did and then I was directed back to the deputy where he gave me a letter of proof that CRA must report 100percent accurate and reveal the process and method to the consumer .... I followed all the process and contacted a attorney and went to a bankruptcy attorney to understand what is the procedure of process. I received valid information now the burden is on the federal agency to conduct, reinvestigate, and govern the CRA accordingly by the FCRA and stop this monopoly game. I reached out to CFPB in XX/XX/XXXX XXXX but the mail did not reached me til late XX/XX/XXXX, I made a call to explain the mail due to COVID the delay I have waited over 60 days to hear a comply from Santander USA XXXX this needs a speedy comply ASAP. The CRA are in business for profit and the agents are in a third world country with very disturbing language hard to understand so I am depending on a English spoken agent to resolve my concerns. The date is XX/XX/XXXX please assist with matter XXXX XXXX

Company response to consumer: Closed with explanation