Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Living with a low credit score has been an on going struggle, making it hard to secure necessary loans and lines of credit, despite responsible financial management. The consistent rejections and high-intrest rates have hindered financial progres, but the experience has emphasized the importance of credit scores in achieving financial stability and growth, while also fostering resilience and persistence. 

Validate Account XXXX XXXX Account Number:XXXX Validate Account XXXX  Account Number : THIS CONTRACT IS CANCELED Please investigate the history reported on this account It is inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately CPS Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall permitting to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until I have validated debt. 'I am unaware of this collection, please validate or remove this account. 

XXXX XXXX XXXX Account XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove this unverified late payment Identity Theft. 
XXXX XXXX Account Number : Please supply information on how you have verified this item. 

Identity Theft. 
XXXX XXXX XXXX Account Number : This is not mine. 

Identity Theft. 
XXXX XXXX XXXX  Account Number : I don't recall having late payments on this account Identity Theft. 
XXXX XXXX XXXX  Account Number : Please remove it from my credit report. 

Identity Theft. 
SANTANDER CONSUMER USA Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately Validate Account XXXX XXXX XXXX Account Number:XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment

Company response to consumer: Closed with explanation