Consumer complaint received 2025-08-10 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: CA

Complaint narrative:
Via Certified Mail Return Receipt Requested To : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 
XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Formal Dispute & XXXX Accommodation Request Fraudulent Repossession ( Identity Theft ) Reported by Santander To Whom It May Concern : I am writing to formally dispute the inaccurate and fraudulent reporting of an alleged vehicle repossession by Santander Consumer USA that is appearing on my credit file. This account does not belong to me. It is the result of identity theft during the XXXX pandemic, a period in which I was already facing extraordinary personal and logistical challenges. I have repeatedly reported this fraudulent account to your agencies, yet it continues to remain on my credit reports in violation of both federal and state law. 

1. Statement of Facts : The alleged account and repossession are fraudulent and unauthorized. 

I have never owned nor financed a vehicle with Santander Consumer USA. 

I have previously filed identity theft reports and dispute notices, which appear to have been ignored or inadequately addressed. 

My disabilitiesXXXX and XXXXsubstantially limit my ability to process complex correspondence and track repeated dispute cycles, creating additional legal protections under the XXXX  with XXXX Act ( ADA ). 

2. Applicable Laws Protecting Me : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under 1681c-2, you are required to block information that results from identity theft within XXXX business days of receiving : Proof of my identity ; A copy of an identity theft report filed with a law enforcement agency ; and A statement from me that the disputed information does not relate to any transaction I made. 

Under 1681i, you must conduct a reasonable reinvestigation of disputed information within 30 days and delete or correct inaccurate entries.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Any continued collection or reporting of a debt known to be fraudulent constitutes a violation of 1692e ( false representation ) and 1692f ( unfair practices ). 

Americans with XXXX XXXX ( ADA ), 42 U.S.C. 12101 et seq. 

As a person with cognitive XXXX ( XXXX, XXXX  ), I am entitled to reasonable accommodations in communications and dispute processes. 

This includes providing clear, accessible correspondence; allowing for extended timelines ; and ensuring that my disputes are not dismissed due to XXXX-related challenges in communication. 

State Identity Theft Statutes Under [ insert your states law hereexample for California : California Penal Code 530.5 ], knowingly retaining or using identity theft-related information is unlawful. Your failure to remove this fraudulent item despite notice could constitute willful noncompliance.

3. My Formal Demands : Immediately delete the Santander repossession from my credit files across all three credit bureaus.

Provide written confirmation to me that the item has been permanently removed.

Ensure my file is flagged for identity theft victim status to prevent re-reporting of the same fraudulent account. 

Apply XXXX accommodations for all future communications, including : Written responses in plain, accessible language ; Highlighting required actions clearly ; Allowing additional time for review and response. 

Failure to comply within the legally mandated timelines will leave me with no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state Attorney General, and to seek relief through federal court for damages and attorney fees under 15 U.S.C. 1681n and 1681o. 

I have enclosed : A copy of my government-issued photo ID ; A copy of my recent utility bill for address verification ; A copy of my filed identity theft report ; My signed statement affirming the account is fraudulent. 

This matter has already caused me substantial emotional distress, exacerbated by my XXXX. I expect full compliance with all applicable consumer protection and XXXX rights laws. 



Regards, XXXX XXXX Enclosures : Copy of government-issued ID Utility bill ( proof of address ) Filed identity theft report Signed statement of fraud

Company response to consumer: Closed with explanation