Consumer complaint received 2024-09-03 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: OH

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't 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. '' Account name : XXXX OF XXXX Account number : XXXX XXXX XXXX Company sold- Account type : Education Date opened : XX/XX/XXXX Open/closed : Open Status : Open/Never late. 
Address : XXXX XXXX XXXX XXXX, MO XXXX Phone number : ( XXXX ) XXXX Account name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Account type : Unsecured Date opened : XX/XX/XXXX Open/closed : Closed Phone number : ( XXXX ) XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account type : Auto Loan Date opened : XX/XX/XXXX Open/closed : Closed StatusPaid : Closed. 
Address : XXXX XXXX XXXX XXXX, TX XXXX Phone number : ( XXXX ) XXXX Account name : SANTANDER CONSUMER USA Account number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number : ( XXXX ) XXXX Account type : Auto Loan Date opened : XX/XX/XXXX Open/closedClosed Account name : SANTANDER CONSUMER USA Account number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number : ( XXXX ) XXXX Account type : Auto Loan Date opened : XX/XX/XXXX StatusPaid, Closed/Never late. 
Status updated : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXX Account XXXX Account type : Line of Credit Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, OH XXXX Phone number : ( XXXX ) XXXX Account name : XXXX  Account number : XXXX Original creditor- Company sold- Account type : Credit card Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number : ( XXXX ) XXXX Account name : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Company sold- Account type : Auto Loan Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number : XXXX XXXX ) XXXX Account name : XXXX XXXX XXXX Account number : XXXX Original creditor : XXXX XXXX Company sold- Account typeCollection Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Phone number : ( XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Original creditor : XXXX XXXX XXXX 
Company sold- Account type : Debt Buyer Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX VA XXXX Phone number : ( XXXX ) XXXX XXXX XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX are financial institutions by definition under that title. 15 USC 1681 section 604 a section 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. '' Account name : XXXXXXXX XXXX XXXX  Account number : XXXX XXXX XXXX Company sold- Account type : Education Date opened : XX/XX/XXXX Open/closed : Open Status : Open/Never late. 
Address : XXXX XXXX XXXX XXXX, MO XXXX Phone number : ( XXXX ) XXXX Account name : XXXX XXXX  Address : XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX Account type : Unsecured Date opened : XX/XX/XXXX Open/closed : Closed Phone number : ( XXXX ) XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account type : Auto Loan Date opened : XX/XX/XXXX Open/closed : Closed StatusPaid : Closed. 
Address : XXXX XXXX XXXX XXXX, TX XXXX Phone number : ( XXXX ) XXXX Account name : SANTANDER CONSUMER USA Account number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number : ( XXXX ) XXXX Account type : Auto Loan Date opened : XX/XX/XXXX Open/closedClosed Account name : SANTANDER CONSUMER USA Account number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number : ( XXXX ) XXXX Account type : Auto Loan Date opened : XX/XX/XXXX XXXX, XXXX late. 
Status updated : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX  Account XXXX Account type : Line of Credit Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, OH XXXX Phone number : ( XXXX ) XXXX Account name : XXXX Account number : XXXX Original creditor- Company sold- Account type : Credit card Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number : ( XXXX ) XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX XXXX XXXX Company sold- Account type : Auto Loan Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number : XXXX XXXX ) XXXX Account name : XXXX XXXX XXXX Account number : XXXX Original creditor : XXXXXXXX XXXX  Company sold- Account typeCollection Date opened XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Phone number : ( XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Original creditor : XXXX XXXX XXXX 
Company sold- Account type : Debt Buyer Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX VA XXXX Phone number : ( XXXX ) XXXX XXXX XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX the financial institutions and the Consumer reporting agencies XXXX, XXXX XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, or XXXX Account name : XXXX OF XXXX Account number : XXXX XXXX XXXX XXXX sold- Account type : Education Date opened : XX/XX/XXXX Open/closed : Open Status : Open/Never late. 
Address : XXXX XXXX XXXX XXXX, MO XXXX Phone number : ( XXXX ) XXXX Account name : XXXX XXXXXXXX Address : XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX Account type : Unsecured Date opened : XX/XX/XXXX Open/closed : Closed Phone number : ( XXXX ) XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account type : Auto Loan Date opened : XX/XX/XXXX Open/closed : Closed StatusPaid : Closed. 
Address : XXXX XXXX XXXX XXXX, TX XXXX Phone number : ( XXXX ) XXXX Account name : SANTANDER CONSUMER USA Account number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number : ( XXXX ) XXXX Account type : Auto Loan Date opened : XX/XX/XXXX Open/closedClosed Account name : SANTANDER CONSUMER USA Account number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number : ( XXXX ) XXXX Account type : Auto Loan Date opened : XX/XX/XXXX StatusPaid, Closed/Never late. 
Status updated : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXX Account XXXX Account type : Line of Credit Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, OH XXXX Phone number : ( XXXX ) XXXX Account name : XXXX  Account number : XXXX Original creditor- Company sold- Account type : Credit card Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX ( XXXX ) XXXX Account name : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Company sold- Account type : Auto Loan Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number : XXXX XXXX ) XXXX Account name : XXXX XXXX XXXX Account number : XXXX Original creditor : XXXXXXXX XXXX Company sold- Account typeCollection Date opened XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Phone number : ( XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Original creditor : XXXX XXXX XXXX 
Company sold- Account type : Debt Buyer Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX VA XXXX Phone number : ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 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. '' Account name : XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX sold- Account type : Education Date opened : XX/XX/XXXX Open/closed : Open Status : Open/Never late. 
Address : XXXX XXXX XXXX XXXX, MO XXXX Phone number : ( XXXX ) XXXX Account name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Account type : Unsecured Date opened : XX/XX/XXXX Open/closed : Closed Phone number : ( XXXX ) XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account type : Auto Loan Date opened : XX/XX/XXXX Open/closed : Closed StatusPaid : Closed. 
Address : XXXX XXXX XXXX XXXX, TX XXXX Phone number : ( XXXX ) XXXX Account name : SANTANDER CONSUMER USA Account number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number : ( XXXX ) XXXX Account type : Auto Loan Date opened : XX/XX/XXXX Open/closedClosed Account name : SANTANDER CONSUMER USA Account number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX number : ( XXXX ) XXXX Account type : Auto Loan Date opened : XX/XX/XXXX StatusPaid, Closed/Never late. 
Status updated : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXX Account XXXX Account type : Line of Credit Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, OH XXXX Phone number : ( XXXX ) XXXX Account name : XXXX  Account number : XXXX Original creditor- Company sold- Account type : Credit card Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number : ( XXXX ) XXXX Account name : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Company sold- Account type : Auto Loan Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number : XXXX XXXX ) XXXX Account name : XXXX XXXX XXXX Account number : XXXX Original creditor : XXXXXXXX XXXX  Company sold- Account typeCollection Date opened XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Phone number : ( XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Original creditor : XXXX XXXX XXXX 
Company sold- Account type : Debt Buyer Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX VA XXXX Phone number : ( XXXX ) XXXX0 XXXX XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX 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 report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation