Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Santander Consumer USA, is currently sharing information with non-affiliated third parties, such as XXXX, XXXX, and XXXX, about transactions and experiences and my personal information. I am OPTING OUT all sharing and reporting to these non- affiliates, IMMEDIATELY AND INDEFINITELY. 


According to the Fair Credit Reporting Act 15 USC 1681 section 602a, it states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I am a Consumer who is protected by Federal Law under the Consumer Credit Protection Act and the Fair Credit Reporting Act. I have the right to make sure my private nonpublic information isnt shared, which is backed by 15 USC 6801, which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Santander Consumer USA is a financial institution by definition under 15 USC 6801 ( a ). 
XXXX, XXXX, and XXXX are non-affiliated Credit Reporting Agencies. 
Any and all consent to share information with XXXX, XXXX, XXXX, and, via Santander Consumer USA, whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 

1.15 USC 6802 ( b ) ( c ) states that, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Santander Consumer USA disclosed my nonpublic personal information like my account number to the following nonaffiliated third parties : XXXX, XXXX, and XXXX. 
Santander Consumer USA never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states, Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item, they are reporting again without my permission which is against the law. 
Also 12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of your reporting services as of receipt of this request 15 USC 1681 Sec. 604 ( a ) sec 2 states that, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Santander Consumer USA, the financial institution and the Consumer Reporting Agencies, XXXX, XXXX, and XXXX do not have my consent to furnish this information, and they surely do not have my written consent. 
XXXX, XXXX, and XXXX are Credit Reporting Agencies. Whatever authorization you assumed you have ; you no longer have. This opt -out notice is effective immediately and indefinitely. Under the Gramm-Leach Bliley Act ( 15 USC 6801 ). 


YOU NO LONGER HAVE PERMISSION TO SHARE MY INFORMATION AS WELL AS TRANSACTIONS AND EXPERIENCES. I OPT OUT OF ALL INFORMATION SHARING WITH ALL NON-AFFILIATES, INCLUDING XXXX, XXXX, AND XXXX.

Company response to consumer: Closed with explanation