Consumer complaint received 2025-08-02 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: NC

Complaint narrative:
Dispute of Unauthorized Inquiry SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX SSN : XXXX DOB : XX/XX/XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : SANTANDER CONSUMER USA Subject : Factual Dispute of Unauthorized Hard Inquiry Reported XX/XX/XXXX Dear SANTANDER CONSUMER USA Dispute Department , I am writing to dispute a hard inquiry that your organization placed on my credit report. I did not authorize or initiate any application for credit with your company. Under the Fair Credit Reporting Act ( FCRA ) 1681b, such an inquiry requires my explicit written permission or a demonstrable permissible purpose. 
- Creditor : SANTANDER CONSUMER USA - Inquiry Date : XX/XX/XXXX This dispute is submitted under the Factual Dispute Method, referencing XXXX XXXX Format and e-OSCAR compliance. If you can not produce documentation validating this inquiry, I request that you immediately instruct all consumer reporting agencies ( XXXX XXXX and XXXX ) to remove this inquiry. 
Ive enclosed a copy of my government-issued identification and proof of address for verification. Please respond in writing with confirmation of the results of your investigation. If you fail to respond or remove the unauthorized inquiry, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, or other applicable regulators. 
Sincerely, XXXX XXXX Dispute of Unauthorized Inquiry XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX SSN : XXXX DOB : XX/XX/XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : XXXX XXXX Subject : Factual Dispute of Unauthorized Hard Inquiry Reported XX/XX/XXXX Dear XXXX XXXX Dispute Department, I am writing to dispute a hard inquiry that your organization placed on my credit report. I did not authorize or initiate any application for credit with your company. Under the Fair Credit Reporting Act ( FCRA ) 1681b, such an inquiry requires my explicit written permission or a demonstrable permissible purpose. 
- Creditor : XXXX XXXX  - Inquiry Date : XX/XX/XXXX This dispute is submitted under the Factual Dispute Method, referencing XXXX XXXX Format and e-OSCAR compliance. If you can not produce documentation validating this inquiry, I request that you immediately instruct all consumer reporting agencies ( XXXX XXXX  and XXXX  ) to remove this inquiry. 
Ive enclosed a copy of my government-issued identification and proof of address for verification. Please respond in writing with confirmation of the results of your investigation. If you fail to respond or remove the unauthorized inquiry, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, or other applicable regulators. 
Sincerely, XXXX XXXX Dispute of Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX : XXXX DOB : XX/XX/XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : XXXXXXXX XXXX XXXX Subject : Factual Dispute of Unauthorized Hard Inquiry Reported XX/XX/XXXX Dear XXXX XXXX XXXX Dispute Department, I am writing to dispute a hard inquiry that your organization placed on my credit report. I did not authorize or initiate any application for credit with your company. Under the Fair Credit Reporting Act ( FCRA ) 1681b, such an inquiry requires my explicit written permission or a demonstrable permissible purpose. 
- Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX This dispute is submitted under the Factual Dispute Method , referencing XXXX XXXX Format and e-OSCAR compliance. If you can not produce documentation validating this inquiry, I request that you immediately instruct all consumer reporting agencies ( XXXX XXXX and XXXX  ) to remove this inquiry. 
Ive enclosed a copy of my government-issued identification and proof of address for verification. Please respond in writing with confirmation of the results of your investigation. If you fail to respond or remove the unauthorized inquiry, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, or other applicable regulators. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation