Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
Under the authority of 15 USC 1692C ( C ), I am formally notifying you that I refuse to pay the above-referenced debt. Additionally, I demand an immediate cease of all forms of communication regarding this account. This includes communication via telephone, email, text message, or reporting the account on my consumer credit report. The only communication I permit is via written correspondence mailed to my address solely to confirm the permanent deletion of this account from all records. Furthermore, I am disputing this debt and formally requesting a complete method of verification for this account. I am deeply concerned about the validity and accuracy of the information being reported. Specifically, I demand answers to the following : Details of Investigation : What evidence did your representatives uncover that led them to conclude this account is being reported accurately and legally? Certified Documents Reviewed : What certified documents were obtained to validate this account? Please provide copies. Investigation Communication : Provide a complete copy of all information transmitted to the data furnisher as part of the investigation. XXXX Costs : What were the costs incurred by your company to obtain documents necessary for this investigation? Communication with XXXX XXXX : Did your representatives directly communicate with the party reporting this information? If yes : a. Who was contacted? b. What was their role? c. When was the contact made? d. What was the nature and duration of the conversation? XXXX XXXX : Provide details about the employee ( XXXX ) involved in the investigation : a. 
Name and position. b. Length of employment with your company. c. Training provided to them for handling disputes of this nature. Documentation : Copies of all correspondence, emails, or communication related to the investigation. Proof of the timely procurement of all required certified documents. Delinquency Details : Provide the specific date the delinquency commenced and the expected date of cessation of reporting for this account. I also request that your response include a notarized affidavit attesting to the accuracy and completeness of the information provided. Note that any form-letter or template response will be deemed unacceptable, as my dispute is specific and demands a case-by-case review. If you can not provide ALL of the above information in a timely and complete manner as required under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws, I demand the immediate permanent removal of this account from all records. Case Law Supporting This Dispute Henson v. Santander Consumer USA Inc., 137 S. Ct. 1718 ( 2017 ) : Established that debt collectors must adhere strictly to the Fair Debt Collection Practices Act ( FDCPA ), including rules around permissible communication and disputes. Spokeo , Inc. v. Robins, 578 U.S. 330 ( 2016 ) : Emphasizes the importance of accuracy and completeness in consumer reporting and the need for thorough investigation and validation when a consumer disputes information. Richardson v. Fleet Bank of Massachusetts, 190 F. Supp. 2d 81 ( D. Mass. 2001 ) : Held that debt collectors must conduct meaningful investigations when disputes are raised, and failure to do so can result in liability under the FCRA. Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. 2008 ) : Affirmed the right of consumers to hold furnishers liable for failing to investigate disputes accurately and properly. Failure to comply with this notice will result in further action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action to enforce my rights under federal law. I trust you will handle this matter promptly and in compliance with the law.

Company response to consumer: Closed with explanation