Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, GA XXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : XXXX  XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX, XXXX XXXX, XXXX Re : Formal Demand for Immediate Removal of Unauthorized Inquiries and Accounts Dear Compliance Officer, I am writing to formally dispute and demand the immediate removal of all unauthorized credit inquiries and accounts reported under my personal credit file. The reporting and continued sale or transfer of these unauthorized debts are illegal under federal law. If not remedied immediately, I will proceed with litigation. 

Violations of Federal Consumer Law Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b ( f ) prohibits accessing or using a consumer report without a permissible purpose. Unauthorized inquiries violate this section.

1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. False inquiries breach this duty.

1681i mandates reinvestigation and correction/deletion of disputed information within 30 days. Failure to delete unauthorized inquiries is a violation.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

1692e prohibits false, deceptive, or misleading representations ( including reporting or re-selling debts that are unauthorized or not owed ).

1692f bars unfair or unconscionable means to collect a debt, which includes pursuing or re-reporting unauthorized accounts.

GrammLeachBliley Act ( GLBA ), 15 U.S.C. 68016809 Financial institutions must protect the security and confidentiality of customer information. Failure to prevent unauthorized access and resulting misuse implicates GLBA obligations.

Supporting Case Law Safeco Ins. Co. of America v. Burr, 551 U.S. 47 ( 2007 ) : Reckless disregard of FCRA obligations can create liability.

Dalton v. Capital Associated Indus., Inc. , 257 F.3d 409 ( 4th Cir. 2001 ) : Publishing inaccurate information with failure to follow reasonable procedures creates liability under the FCRA.

Illegal Re-Reporting, Transfer, or Re-Aging Re-reporting, selling, or transferring a disputed unauthorized debt is unlawful. Any re-aging to extend the reporting period violates the FCRA and FDCPA. Immediately cease and desist from any sale, transfer, or re-reporting of the disputed items. 

Evidence of Industry-Wide Data Breaches ( Context for Unauthorized Activity ) XXXX ( XXXX disclosure ) : Hundreds of millions of records exposed, increasing risk of identity theft and fraudulent credit activity. 

XXXX ( XXXX breach, disclosed XXXX ) : Data for XXXX XXXX riders/drivers stolen ; such data has been linked to fraud and unauthorized accounts. 

Given these breaches, my personal data may have been compromised, leading to the fraudulent inquiries and accounts now appearing on my file.

My Formal Demand Immediate deletion of all unauthorized inquiries and accounts from my credit file.

Written confirmation of deletion within 15 calendar days of receipt of this letter.

Cease & desist all sale, transfer, or re-reporting of any disputed/unauthorized items to other entities. 

Notice of Legal Action If you fail to comply, I will : File suit in federal court under the FCRA, FDCPA, and GLBA, seeking statutory damages ( including {$1000.00} per violation where applicable ), actual/punitive damages, and attorneys fees ; File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission XXXX FTC ), and the Georgia Attorney General ; Pursue discovery into your data handling, reinvestigation procedures, and any third-party transmissions related to the disputed items. 

This is your final opportunity to correct these violations before litigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, GA XXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation