Consumer complaint received 2024-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Privacy issues creator : XXXX XXXX XXXX Date open : XX/XX/XXXX Account status : close Balance : {$XXXX} Account : XXXX Illegal debt collection XXXX XXXX XXXX XXXX Account status : collection Balance : {$XXXX} Account : XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It XXXX Concern : In response to the illegal privacy violation notice of selling my nonpublic personal information via cfpb case number # XXXX please be advised this was not a debt validation request. But showing you that your company Santander Consumer USA is breaking consumer law. XXXX XXXX XXXX XXXX is not an affiliate of the XXXX XXXX Santander Consumer USA. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of XXXX as a federally protected consumer I am now revoking any and all authorization I the consumer XXXX have given the original creditor, non written, verbal, and nonverbal per 5 U.S. Code 552a. Selling my nonpublic personal information is against federal law. The only way information can be shared is by common ownership or control.

In your response via CFPB your company openly admits to selling nonpublic personal information. 
On XX/XX/XXXX, we mailed a letter informing you that the account was sold to XXXX XXXX XXXX XXXX XXXX ( XXXX ). They now own and service the account. We have stopped collection activity and contact attempts as we no longer own the account. 

Your company policy and Contracts have to be in accordance with federal law. Federal laws state your company can not sell or turn over my nonpublic personal information to a third party for any reason. This is why I want it deleted immediately.

15 U.S. Code 6809 - Definitions ( 5 ) Nonaffiliated third party The term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.

15 U.S. Code 1692e ( 12 ) - False or misleading representations ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
So yes! The transfer of these contractual rights from Santander to XXXX is breaking federal law! is a continuing violation of my consumer rights. Your company XXXX XXXX share our customers ' information for our everyday business purposes only means you can share my nonpublic personal information with affiliates or companies owned by corporate control, not third party debt collectors companies.

15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

The failure to follow federal laws pursuant to FDCPA, this is considered aggravated identity theft. Your company is participating in aggravated identity theft.

18 U.S.C. 1028A Simply stated, aggravated identity theft occurs when someone knowingly transfers, possesses, or uses without permission, identification of another person, and then uses that identification during and/or in relation to the act of a particular felony violation. Your company is aiding XXXX XXXX XXXX XXXX in the collection of extension of credit by extortion means.

Company response to consumer: Closed with explanation