Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX DOB : XXXXXX/XX/XXXX MAILING ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Re : Disputing items on credit report Greetings, I am writing to request Validation of your rights to collect on this debt/collection, which appears on my [ XXXX, XXXX, and XXXX ] consumer report as I dont recognize one or more of the accounts on my report. The report shows I currently owe money to your company, but I have not OPENED AN ACCOUNT with your company, nor have I ever given your company authorization to utilize my social security number ending in XXXX for the Items listed below. 

Dispute : SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Phone Number ( XXXX ) XXXX Alleged Account Number : XXXX Alleged Amount : [ {$0.00} ] Dates associated with item being disputed : [ Date Opened XX/XX/XXXX ] THIS IS THE date that appears on MY report. 

I am writing in response to your recent communication regarding the above-referenced account. To be clear, I do not acknowledge that this debt is valid or that I owe the amount you claim. I am disputing the debt in its entirety, and I require further documentation before I can consider any action on this matter. 

In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide the following information : Complete Breakdown of the Debt : Please provide a detailed breakdown of the total amount claimed, including any interest, fees, or additional charges added to the original balance. Additionally, provide the date when the debt allegedly became overdue and explain how the balance has been calculated. 

Information Regarding the Original Creditor : Specify the name of the original creditor and the amount that was originally owed. If the debt has changed hands, please provide details regarding the transfer, including all documentation. 

Proof of Ownership and Legal Authority to Collect : I require documented proof that your company has the legal right to collect this debt. This includes any assignment contracts, agreements, or documentation showing that the debt was transferred or sold to you. 

Verification of the Debts Validity : Provide any documents that demonstrate my legal obligation to pay this debt, including signed contracts or agreements that show I am responsible for the balance. 

Statute of Limitations : Please provide information regarding whether this debt is still within the statute of limitations and how that was calculated. 

Licensing Information : If your company is licensed to collect debts in my state, please provide the license number and the name of the issuing agency. 



DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT. 



This notice is in compliance with and under 15 U.S.C 1601, 1692 et seq. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C 1601, 1692 et seq, correspondence was sent through a timely written notice that I disputed the validity and the accuracy of the above referenced purported debt.Yourcorrespondence dated XXXX XXXXfailed to address thevalidity of the debt andmore importantly, who areyou.I hereby cancel this alleged debt, in its entirety, without dishonor, on the grounds of breach, false representation and fraud.15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation or means in connection with the collection of any debt includes the false representation of the character of legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice. Until the requirements of the Fair Debt Collection Practices Act have been met, and yourclaim is validated, you have nojurisdiction to continue any collection activities.This is constructive notice that, absent the validation of your claim within 10 days, you must cease and desist allcollection activity.You are further prohibited from contacting my employer, my bank or anyother third party associated withme, directly or indirectly.Each and every attempted contact, in violation of this Act, will constitute harassment, defamation of character, and slander of credit of reputation will subject your agency and/orboard, andany and all agentsin his/her/their individual capacities, who take part in such harassment, and duration, to a liability for actual damages, as well as statutory damages ofup to {$1000.00} for each and every violation, and any further liability for legal fees to bepaid to anycounsel which I may retain. Further, absentsuch validation ofyour claim you are prohibited from filing any notice of lien and/or levy. Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate the claim that the attached presentment does not constitute fraudulent misrepresentation. 



1006.1 ( a ) Authority. This part, known as Regulation F, is issued by the Bureau of Consumer Financial Protection pursuant to sections 814 ( d ) and 817 of the Fair Debt Collection Practices Act ( FDCPA or Act ), 15 U.S.C. 1692l ( d ), 1692o ; title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ), 12 U.S.C. 5481 et seq. ; and paragraph ( b ) ( 1 ) of section 104 of the Electronic Signatures in Global and National Commerce Act ( E-SIGN Act ), 15 U.S.C. 7004. 

This advisory opinion applies to debt collectors as defined in section 803 ( 6 ) of the FDCPA and implemented in Regulation F, 15 U.S. Code 1692c- Communication in connection with debt collection 15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 1681b - Permissible purposes of consumer reports 1006.1 -Regulation F Under the above United States Codes , Until I receive this information, I dispute the validity of this debt and demand that you cease all collection activities. Further, I request that any negative reporting to credit reporting agencies be removed until this matter is resolved. 

Please respond to this letter in writing and provide all requested information to the address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 



Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation