Consumer complaint received 2022-07-28
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Credit reporting, credit repair services, 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've reached out to Santander Consumer USA and i tried to fix the issue and concerns i had on my consumer report. Santander Consumer USA never send me a 1099c to be able to file with my taxes as income and proceeded to continue to report Acct # XXXX This company violated me in so many ways it's not even funny. 15 US Code 1681 ( b ) Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. you have no permissible purpose by law to contact third parties with my private or personal information. 15 US Code 1681a speaks on a consumer right to privacy. Things that aren't supposed to be on a consumer report Information solely as to transaction or experiences between the consumer and the person making the report -Consumer- is an individual ( Me ) -Person- Any individual partnership, Corportation, government or governmental subdivision or agency, or other entity. 
Experiences & Transaction- Applying for a loan, credit cards, late payments, high utilization, charge off ( s ), collection accounts, Judgements, Repos, Bankruptcy. 
This company have continuously violated my right to privacy and said they can report anything they want. I've I didn't want to file the complaint because this a great company, but right is right and wrong is wrong and I'm not going to continue allowing this company to do me wrong. This problem has caused all kind of hardship in my life I'm already on XXXX XXXX XXXX XXXX  XXXX ) and this have caused me so much damage when it comes to my health and my personal private information just get reported because they want to, I have rights. I asked this company for Validation of this account so I could make sure that what they are saying is reported correctly and i told the company that I didn't want a E-Oscar Verification and that its unlawful for them to use information submitted by the furnisher of the account. That they are supposed to conduct personal interviews with family, neighbors, and loved ones. Not the information submitted by the furnisher. It's against the law. According to 15 US Code 1681 ( n ) Civil liability of willful noncompliance I'm entitled to compensation XXXX dollars or greater per violation. I think with this company and a lot of companies need to be able to know and understand the law before they can just go into business and think they can break and violate people 's rights. I asked the company for an SSA-3288 to show me that i gave your company actual permission to report to my credit every month. If this company could show me a contract or an agreement that i signed that they are going to report to my consumer report every month. Because a contract supposed to be with the original creditor and signed by all parties involved.

Company response to consumer: Closed with explanation