Consumer complaint received 2020-02-03
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This letter is being sent to you in response to notices sent to / from me from the Dept of Santander Consumer USA and more importantly, due to their erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that their claim has been disputed and validation  was requested. 

I have asked the Santander Consumer USA to please provide me with the following : What the money they say I owe is for : Explain and show me how they calculated what they said I owe : Provide me with copies of any papers including but not limited to : Validation of Purchase that shows I agreed to pay what they say I owe : Original Note / Signed Contract with my original signature Notice of Sale / Deficiency Notice Post Notice of Sale Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you they are licensed to collect in my state : Provide me with their license numbers and Registered Agent or Agent of Service : At this time, I also informed Santander Consumer USA that if their offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX  } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by their company or the company that they represent, I will not hesitate to bring legal action against them for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Santander Consumer USA has not provided any of the requested information despite me sending 2 ( two dispute letters and a request for account validation NOT  verification ) Since reaching out to Santander Consumer USA, action was taken which has been detrimental to all 3 of my credit reports and ( Santander Consumer USA closed the account and reported the file as a charge off without validating the account ), and I am consulting with my legal counsel for suit. The information provided by Santander Consumer USA includes information that is inaccurate and invalidated, but the credit bureaus have been verifying these accounts as accurate, when in fact there is no provided proof that it is accurate. 

The company Santander Consumer USA has failed to respond to this validation request and the information provided in the Original Note and signed contract must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX  and XXXX  } should be sent to me immediately.

I have also disputed this information with the 3 credit bureaus as inaccurate, and they have come back to me and stated they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt!

Company response to consumer: Closed with explanation