Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
Including its agents, repossession contractors, and auction facilities I. SUMMARY OF COMPLAINT This complaint is submitted as an updated and supplemental filing based on new and XXXX XXXX XXXX XXXX XXXX XXXX XXXX handling of my account, including : A repossession initiated during a pending fraud investigation Failure to provide notice of fraud investigation closure Conflicting and misleading communications Refusal to place a preservation hold after notice Removal of personal property despite express objection Interference with access to federal identification and work equipment Continued adverse XXXX XXXX XXXX XXXX XXXX has acknowledged that my account is under Invalid XXXX XXXX XXXX yet continues to allow its agents to act in ways that cause immediate and irreparable harm. 



XXXX. FACTUAL TIMELINE ( UPDATED ) A. XXXX XXXX XXXX XXXX I initiated a fraud investigation regarding undisclosed and excessive fees in my auto contract. 
XXXX representatives informed me that payments were not required during the fraud investigation. 
My account was functionally blocked : collection calls stopped, and no billing communications occurred. 
I relied on these instructions and documented them in the XXXX portal. 
XXXX responded to my portal message and did not refute or correct the instruction that payments were not required. 

B. Failure of Notice I never received : A fraud determination letter A request for additional documentation A notice that the investigation had concluded A cure notice or payment demand Santander later admitted it could not locate any documentation showing such notices were sent. 

XXXX XXXX Despite Pending Dispute On XX/XX/year>, I received an email stating my vehicle was assigned for repossession. 
This occurred while the fraud investigation was unresolved and without notice. 
XXXX later escalated the matter to its XXXX XXXX XXXX, acknowledging the dispute. 

XXXX Refusal to Preserve Vehicle and Property After repossession, I immediately notified XXXX in writing and by phone and explicitly requested that no one enter or clean out the vehicle. 
I advised XXXX that my federal identification, work laptop, XXXX XXXX XXXX, and sensitive personal items were inside. 
XXXX XXXX stated : They do not place holds preventing clean-out Their agent would remove personal property as part of process The Invalid Repossession XXXX only XXXX sale, not handling Santander knowingly XXXX its agent to remove my property after notice and objection. 

XXXX Ongoing Harm Loss of access to identification Inability to work Security risks involving sensitive information Emotional distress Continued adverse credit reporting XXXX. LEGAL VIOLATIONS ( NON-EXHAUSTIVE ) XXXX. Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) Failure to conduct a reasonable investigation Continued reporting of disputed information Reinsertion of disputed tradeline without proper notice Failure to correct inaccurate reporting XXXX. Willful Noncompliance ( 15 U.S.C. 1681n ) Proceeding after notice Ignoring documented reliance Accepting known risk to consumer 3. Negligent Noncompliance ( 15 U.S.C. 1681o ) 4. Unfair and Deceptive Practices Conflicting representations XXXX on process to override consumer rights Failure to notify while taking adverse action 5. Conversion / Property Interference ( State Law ) Removal of personal property without consent Interference with access to ID and work equipment Acts by Santanders agents for which XXXX is responsible IV. DAMAGES Actual damages ( employment interruption, travel disruption ) Emotional distress Credit damage and lost home-purchase opportunity Security risk involving federal ID and employer equipment Statutory damages Punitive damages ( for willful conduct ) Costs and fees V.

Company response to consumer: Closed with explanation