Consumer complaint received 2025-10-12 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: CA

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To : XXXX BANK, NA P.O. XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Subject : Formal Notice of Dispute and Demand for Deletion Under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Standards This letter serves as a formal notification that the undersigned disputes the accuracy, completeness, and verifiability of information you are furnishing to consumer reporting agencies. The accounts listed below have been identified as inaccurate, unverifiable, incomplete, and/or noncompliant with XXXX XXXX XXXX furnishing standards and federal law. 

In accordance with the Fair Credit Reporting Act ( FCRA ) including 15 U.S.C. 1681c ( 2 ) ( FCRA 605B ), 1681i, 1681e ( b ), and 1681s-2, as well as the Consumer Data XXXX XXXX XXXX XXXX XXXX Guidelines, you are hereby demanded to immediately delete and cease reporting the accounts listed below to all consumer reporting agencies. 



Creditor Name : XXXX  ( XXXX Bank ) Account Number : XXXX * * I am writing to formally dispute the accuracy and completeness of the information reported regarding the above-referenced account appearing on my credit report. This letter is submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

This letter serves as a formal dispute and demand for immediate deletion of the above-referenced account from my credit file. Upon review of my consumer report, I have found this account to be inaccurate, unverifiable, incomplete, and reported in violation of federal law and XXXX XXXX reporting standards. 

Upon reviewing my credit reports from the XXXX major credit reporting agencies, I identified inconsistencies and inaccuracies concerning the reporting of this account. 

Additionally, the account appears to be reported in a manner that does not conform to XXXX XXXX data reporting standards, which are the industry-accepted guidelines established by the XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX guidelines require, among other things : Uniform reporting of Date of First Delinquency ( DOFD ) to ensure proper obsolescence calculation. 

Accurate and consistent reporting of Date of Last Payment and Date Last Active fields across all bureaus. 

Correct and timely status codes that reflect the true nature of the account. 

Failure to follow these standards results in data that is inherently unreliable and misleading, constituting a breach of the data furnishers duty to report accurately and the credit bureaus duty to ensure data integrity. 

Additionally, I request written confirmation of the Date of First Delinquency ( DOFD ) associated with this account. Under 15 U.S.C. 1681c ( a ) ( 4 ), no charge-off or collection account XXXX remain on a consumer report for more than 7 years from the date of the first delinquency that led to the charge-off. If this account is beyond that statutory reporting period, it must be deleted immediately. 



Formal Request for XXXX I demand the following actions within the statutory XXXX period : XXXX a full reinvestigation of this account as required by law. 

Provide documentation verifying the accuracy, completeness, and compliance of the reported information. 

Delete the account from my credit report if it can not be verified or corrected to meet FCRA and XXXX XXXX standards. 

Provide me with written confirmation of the results of your investigation. 

Failure to comply with these obligations XXXX constitute willful non-compliance with the FCRA, exposing both the XXXX XXXX XXXX and the furnisher to civil liability under 15 U.S.C. 1681n and 1681o. 

Thank you for your prompt attention to this matter. 
Enclosed are my ID and proof of address for verification. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief