Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
Letters were mailed demanding accuracy and proof accounts are mine. 

Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX I am writing to formally dispute the information being reported on my credit report regarding my XXXX XXXX account XXXX Upon reviewing my credit report, I have identified that the information being reported is incomplete and, therefore, does not meet the standards set forth by the Fair Credit Reporting Act ( FCRA ). 

Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Santander Consumer Usa XXXX  XXXX I am writing to formally dispute the information being reported on my credit report regarding Santander Consumer USA account. Upon reviewing my credit report, I have identified that the information being reported is incomplete and, therefore, does not meet the standards set forth by the Fair Credit Reporting Act ( FCRA ). 


Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXXXXXX XXXX XXXXXXXX I am writing to formally dispute the information being reported on my credit report regarding my XXXX XXXX account. Upon reviewing my credit report, I have identified that the information being reported is incomplete and, therefore, does not meet the standards set forth by the Fair Credit Reporting Act ( FCRA ). 

As a consumer, I have the right to accurate and complete information on my credit report. Since the information provided for this account is incomplete, I request that you investigate this matter and remove the account from my credit file. 


Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXXXXXX XXXX XXXXXXXX I am writing to formally dispute the information being reported on my credit report regarding my XXXX XXXX account. Upon reviewing my credit report, I have identified that the information being reported is incomplete and, therefore, does not meet the standards set forth by the Fair Credit Reporting Act ( FCRA ). 

As a consumer, I have the right to accurate and complete information on my credit report. Since the information provided for this account is incomplete, I request that you investigate this matter and remove the account from my credit file. 

Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. 92 G, you must prove it or delete it. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation