Consumer complaint received 2021-02-24
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I contacted Santander Consumer USA via phone at XXXX to resolve and dispute a inquiry that I noticed on my credit reports dated XX/XX/XXXX. The representative who took the call is name XXXX Employee id # XXXX, she asked for my name and social in which i provided then she ask for the make, model and year of vehicle i was calling about and I stated to her that I was not calling about no vehicle because I dont have a vehicle with you all. I informed her that i was calling to dispute an unauthorized inquiry on my credit reports from this company. She then went over the debt collection disclaimer script and says that she a XXXX XXXX charged off on my record. I told her once again that I was not calling about no vehicle especially not that one because that vehicle was repossessed by them in XXXX and I have not contacted them every since or requested any new loans fromthem since XXXX. I asked her can she transfer me to the fraud department and then she puts me on hold. After being a hold for a few minutes she then states that they do not see a inquiry on my record and that i need to put a fraud alert on my credit report. I told her that I do have a fraud alert on my report i which i had it for 3-4 years now so that anytime my credit is being ran i am to be notified to verify that its me making the authorization. Well unfortunately I was never notified by Santander on XX/XX/XXXX that my credit was being ran by them and I havent even spoke with them to inquire about a new loan. She then tells me that theres nothing they can do too. So once again I asked her well can you transfer me to the department that handles new applications or inquiries on credit reports she says no she is the only department i can speak to. Then she also states that I need to contact the dealership so I asked what dealership am I supposed to contact if your company whose reporting on my credit report as an inquiry. I also stated thats why Im contacting your company to find out how, why and who made this inquiry and she says well theres nothing we can do. I told her that I already reached out to the credit bureaus and they told me that i needed to contact the creditor to dispute inquiry and now your telling me that theres nothing to do. So my complaint is that this company was unwilling to provide me information as to how to dispute and resolve a inquiry that was made from their company on my credit report and i was basically disregarded. This company already has very bad reviews on theXX/XX/XXXX and has recently settled a lawsuit with multiple states in the USA due to violations of fair lending practices in which i believe my charged off vehicle that i had with them is part of that settlement. Once again I just want to resolve this unauthorized inquiry and I will never contact this business for any loan products. Their reputation and trustworthy has already been tarnished across the country.

Company response to consumer: Closed with explanation