Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. My latest credit report shows inquiries that I did not authorize. I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XXXX XXXX- XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX inquired on : XX/XX/XXXX, ( I did not give authorization at no time for this company to run a credit check on my credit file nor did I give a third-party permission or authorization to check my credit for any line of credit. ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, inquired date on : XXXX XXXX ( I did not give authorization at no time for this company to run a credit check on my credit file nor did I give a third-party permission or authorization to check my credit for any line of credit. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX ( XXXX ) XXXX, inquired date on : XXXX XXXX, ( I did not give authorization at no time for this company to run a credit check on my credit file nor did I give a third-party permission or authorization to check my credit for any line of credit. ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX, inquired date on XX/XX/XXXX ( I did not give authorization at no time for this company to run a credit check on my credit file nor did I give a third-party permission or authorization to check my credit for any line of credit. ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX, Inquired date on XX/XX/XXXX ( I did not give authorization at no time for this company to run a credit check on my credit file nor did I give a third-party permission or authorization to check my credit for any line of credit. ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX, ( XXXX ) XXXX, Inquired date on XX/XX/XXXX ( I did not give authorization at no time for this company to run a credit check on my credit file nor did I give a third-party permission or authorization to check my credit for any line of credit. ) XXXX. XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX, ( XXXX ) XXXX, Inquired date on XX/XX/XXXX ( I did not give authorization at no time for this company to run a credit check on my credit file nor did I give a third-party permission or authorization to check my credit for any line of credit. ) XXXX. XXXX XXXX XXXX PL XXXX XXXX XXXX SD XXXX XXXX ( XXXX ) XXXX, Inquired date XX/XX/XXXX ( I did not give authorization at no time for this company to run a credit check on my credit file nor did I give a third-party permission or authorization to check my credit for any line of credit. ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX, inquired date on : XXXX XXXX, ( I did not give authorization at no time for this company to run a credit check on my credit file nor did I give a third-party permission or authorization to check my credit for any line of credit. ) According to Section 611 of the Fair Credit Reporting Act, I am requesting that you investigate these items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report. According to the FCRA legally these are unverified. This is the law 15 USC 1681 Nq In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from your investigation, I am requesting that an updated report be sent to those who received my report, within the last two years for employment purposes, or within the last one year for any other purpose. These inquiries have done damage to my credit preventing me from being able to purchase a home and or help through my financial federal credit union. 

Please investigate and update these items as soon as possible. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation