Consumer complaint received 2021-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I am who I am ( the original creditor ) of all things on my consumer file, I am not a credit repair agent nor paid attorney, I am sending this as myself the original creditor of all " alleged '' debts on my consumer file. I have been violated under multiple incidents by these consumer reporting agencies and will be seeking litigation if problem are not rectified immediately. The following rights of mine I believe have been violated and are causing punitive damages to my life as the consumer of the united states. ( Offenses number 1 ) 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have " assumed '' a vital role in assembling and evaluating consumer credit and other information on consumers. I never gave XXXX, XXXX, or XXXX ( WRITTEN PERMISSION ) to have this information pertaining to my consumer transactions. Because I never gave this permission I believe this offense also falls under 18 usc 1028 aggravated identity theft ( A ) ( 1 ) ( offense number 2 ) Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, ( possesses, or uses, without lawful authority ), a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( Offense number 3 ) 15 usc 1681 ( Exclusions ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The credit " alleged '' " inquiries " are a private matter and if they are or were factual they are not supposed to be on my consumer file and report. ( offense number 4 ) 15 usc 1692g I also believe is a section regarding validation of debts. Numorius accounts have be disputed and have come back as validated when I ( THE ORIGINAL CREDITOR ) haven't received any type of notice within five days to verify or validate these " alleged debts '' ( I DO NOT VALIDATE NOR VERIFY ANY DEBTS ON MY CONSUMER FILE ). Furthermore under 15 usc 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. All debts on the public and consumers are already paid for by the united states according to what I believe is 31 us code 3123 The Secretary of the Treasury shall pay interest due or accrued on the public debt.

Now im not making threats but under 15 us code 1679g ( civil liablity ) Any person who fails to comply with any provision of this subchapter with respect to any other person shall be liable to such person in an amount equal to the sum of the amounts determined under each of the following paragraphs : actual damages, punitive damages and class action.

LAstly under 15 usc 6802Obligations with respect to disclosures of personal information I have the legal right to tell you what is considered private to me and what I demand be removed from my file for the sack of my privacy.

Company response to consumer: Closed with explanation