Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: IA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute and Request for Immediate Removal of Inaccurate Information Under FCRA Section 605 Dear XXXX Dispute Department, I am writing to formally dispute multiple entries on my XXXX  credit report that are inaccurate, do not belong to me, or are otherwise unverifiable, as outlined under the Fair Credit Reporting Act ( FCRA ), Sections 605 ( a ), 605 ( b ), and 611. These items are causing unjust harm to my credit profile and must be investigated and removed immediately.

Disputed Items Accounts That Do Not Belong to Me : 1.

2.

3.

4.

5. 
XXXX. 
XXXX. 
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX and closed account. Not mine. 
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX and closed account. Not mine. 
XXXX XXXXXXXX XXXX Paid and closed account. Not mine. 
XXXX XXXX XXXX Unpaid charge-off, sold to another lender. Not mine. 
XXXX XXXX XXXX XXXX Charged-off account. 
Not mine. 
XXXX XXXXXXXX XXXX  XXXX XXXX Charged-off account. Not mine. 
Santander Consumer USA XXXX Paid, charged-off, and purchased by another lender. Not mine. 
XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Paid and closed account. Not mine. 
XXXX. 
XXXX XXXX XXXX XXXX XXXX and closed account. Not mine. 
XXXX. 
XXXX XXXXXXXX XXXX Paid, closed, and terminated. Not mine. 
Disputed Personal Information : Phone Number : ( XXXX ) XXXX This number is not associated with me and should be removed from my file. 
Disputed Hard Inquiries Not Authorized by Me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized by me and may be the result of identity theft or file mixing. 
Enclosed Documentation : Copy of my XXXX credit report with disputed items highlighted Copy of my government-issued ID and proof of address [ Optional : FTC Identity Theft Report or police report, if applicable ] A signed statement of dispute Requested Action : Under the FCRA, you are required to complete your investigation within 30 days. If the disputed items can not be verified with documented proof from the original furnishers, they must be deleted immediately. Please provide me with a written response and updated credit report reflecting the corrections. 
If this matter is not resolved, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue further remedies. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX Signed Statement of Dispute I, XXXX XXXX, declare that the accounts, phone number, and inquiries listed in my accompanying dispute letter are inaccurate, fraudulent, or not associated with me, and I did not authorize their inclusion on my XXXX  credit report. I respectfully request their removal in accordance with the Fair Credit Reporting Act ( FCRA ). 
Signature : _________________________ Date : _____________________________ Fair Credit Reporting Act ( FCRA ) The FCRA is a federal law, not an organization, so it doesnt have a direct contact name or email. However, enforcement and inquiries are handled by the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Primary Contact for FCRA Issues : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, DC XXXX Phone : ( XXXX ) XXXX TTY : ( XXXX ) XXXX Website : consumerfinance.gov Email ( general inquiries ) : Theres no single email for all inquiries, but you can use specific ones like : XXXX ( accessibility ) XXXX ( contracts ) XXXX ( employment ) XXXX ( tips/leads ) FCRA Summary of Rights : Download PDF Consumer Financial Protection Bureau ( CFPB ) Main Address : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DC XXXX Phone : Toll-Free : ( XXXX ) XXXX TTY : ( XXXX ) XXXX Website : CFPB XXXX Page Complaint Submission : Submit a Complaint Hours : XXXX a.m. to XXXX p.m. XXXX, XXXX ( except federal holidays

Company response to consumer: Closed with explanation