Consumer complaint received 2025-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
Santander Consumer USA has Discharged the Debtor of the full amount, but the vehicle was give back to them, and Santander Consumer USA sold the vehicle at an auction. so this current debt they are trying to put back on my credit report. 1099A/C was done to dismiss the current debt. never authorized a credit agency ( s ) to allow Santander Consumer USA to put any remaining balance on my credit report. the received payment at due signing the whole amount from my trust. they are double dipper to get paid twice of this contract that they don't have because they sold the contract to an another creditor. 

In XXXX XXXX, United States, Of America, Every ( All States, Territories ) To all to whom these presents shall come, Greetings : According to the Fair Credit Reporting Act ( 15 USC 1681 section 602 ) a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX XXXX XXXX XXXX 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. ( Furnisher Of Information to credit agencies ) is a financial institution 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. '' ( Furnisher of information to credit agencies ). The financial institution and the Consumer reporting agencies XXXX XXXX XXXX XXXX XXXX  do not have my consent to furnish this information and they surely do not have my written consent. 
Any and all XXXX to XXXX XXXX XXXX, ( Furnisher of information to credit agencies ) 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 unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. " ( Furnisher Of information to credit agencies ). Never informed me of my right to exercise my nondisclosure option. Not only that ( 15 USC 1681 ( C ) ( 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 seven years. '' ( These account ( s ) is an adverse item, these adverse items belong to the entity XXXX XXXX not to XXXX XXXX. ) They are all 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 1681 ( e ) states '' Every consumer reporting agency shall maintain reasonable Procedures Designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX XXXX XXXX XXXX XXXX are not maintaining reasonable procedures. Also, Every item on my credit report is in violation of federal law ( Section 609 ( a ) ( 1 ) ( A ) 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' IM Enforcing My rights, I am opting out of All credit bureaus and services and your reporting services. 
[ AND IT'S SO ORDERED! ] XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with non-monetary relief