Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of inaccurate information from my credit report as per the Fair Credit Reporting Act ( FCRA ) Section 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). I have identified charge-offs and repossession entries that I believe are invalid and require your immediate attention. Accounts for Deletion : XXXX XXXX XXXX Account Number : XXXX Under the FCRA, I am entitled to dispute inaccurate or incomplete information on my credit report. I kindly request a thorough investigation into these accounts and their subsequent deletion from my credit report. 

Please find enclosed copies of relevant documents that support my request. I would appreciate a prompt response to this letter, confirming the actions taken regarding my request. Should you require any further information, please do not hesitate to contact me using the details provided above. 

Dispute of Charge-Off Entries on My Credit Report To Whom It May Concern I am writing to formally dispute the charge-off reported on my credit file under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681, which mandates fairness and accuracy in the reporting of consumer information. The account I am disputing is : Santander Consumer USA, Account Number- XXXX I have reviewed my credit report and found entries pertaining to this account that are not only inaccurate but may also reflect misinterpretations regarding the treatment of canceled debts and income. According to 15 U.S.C. 1681 ( a ) ( 1 ), consumers have the right to accurate information regarding their accounts, and it is my position that the ongoing reporting of this charge-off violates that right. Furthermore, it is important to highlight that under 26 U.S.C. 108, canceled debt can be considered gross income, but this does not mean that the report on my consumer file should reflect such canceled debts or characterize them as ongoing liabilities. The law explicitly states that when a debt is discharged, it should not continue to impact my creditworthiness negatively. Case law, including exceptions outlined in XXXX XXXX Santander Consumer USA Inc., XXXX XXXX XXXX XXXX ( XXXX ), illustrates the importance of accurate credit reporting and the necessity of avoiding misleading representations of financial obligations. Moreover, it is unlawful for a consumer reporting agency to furnish information about a consumer account that misrepresents the financial situation of the consumer, as established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX ). Continued reporting of these charge-offs, when the debts have been canceled or settled, does not accurately reflect my financial history or my current obligations. For these reasons, I request that you conduct a thorough investigation into the disputed charge-off entry and rectify in accordance with the law. If you determine that the information regarding this charge-offs is inaccurate, please promptly remove them from my credit file. I appreciate your attention to this matter and look forward to your prompt response within the legally required timeframe. Should you need any further information to assist in your investigation, please do not hesitate to contact me by email only at XXXX. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation