Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
XXXX XXXX Attn : Customer Relations Department XX/XX/year> To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section 611, Subsection XXXX, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

SANTANDER CONSUMER USA ACCOUNT # XXXXclosing dates an balances are not correct. Each credit reporting agency is reporting conflicting information regarding this account.. i am demanding removal do to several inaccuracies along with changed data reported due to several Data breaches i was harmfully effected by XXXX XXXX XXXX ACCOUNT XXXX XXXX I DEMAND REMOVAL OF THIS ACCOUNT IT DO NOT COMPLY WITH FCRA AN XXXX XXXX COMPLIANCE. THIS ACCOUNT IS IN FULL VIOLATION OF MY RIGHTS TO PRIVACY. 

THESE accounts were impacted by several data breaches that resulted in changing of my account history i demand full compliance according the FCRA. 
I request pursuant to FCRA subsection XXXXb ( 15 U.S.C XXXX XXXX ) that you credit reporting agency, block information appearing on my consumer credit report that is result of several data breach within XXXX business days of you receiving the accounts above. 
RE : Dispute of Inaccurate Information Under 15 U.S.C. XXXXb & FCRA Violations I write to you today, not in quietude but with a heart full of fire, because my rights as a consumer have been so carelessly trampled upon. What should be a fortress of accuracy and truth in the reporting of my financial life has been corrupted by errors that are glaring, and a violation of the protection I am afforded under the law. I speak of both the Fair Credit Billing Act under 15 U.S.C. XXXXb and the Fair Credit Reporting Act ( FCRA ) laws designed to shield me, but in this instance, they have been disregarded like leaves swept away in a storm. 
You have failed me with your inaccurate and negligent handling of the accounts above that are listed. This misrepresentation of my credit history has brought about unwarranted harm, both to my reputation and my financial standing. I have made timely payments and conducted myself responsibly, yet your errors paint a false picture that reflects none of this truth. 
Under 15 U.S.C. XXXXb, it is clearly stated that a creditor must adhere to specific timelines when considering a payment late, and yet I find myself being penalized unfairly. You have betrayed your duty, and in doing so, you have violated not only the law but the trust I placed in the proper handling of my accounts. The rhythm of my financial journey has been disrupted by the very institution that is bound to protect me from harm. 
Moreover, your compliance with the XXXX XXXX format and FCRA guidelines appears to be nothing more than an empty promise. My rights to have my credit report reflect nothing but accuracy have been recklessly disregarded. I am protected by 15 U.S.C. XXXX, and yet, this safeguard has crumbled under the weight of your errors. 
Let me be clear : I am demanding an immediate and thorough investigation into these accounts. Correct the inaccuracies on my credit report, remove the false information, and provide me with written confirmation that you have done so. I will accept no less than full compliance with the law, and I remind you that the FCRA mandates a timely resolution. Should you fail to uphold your responsibilities, I will not hesitate to pursue legal action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 
Your disregard for the truth has left a stain upon my financial identity, but rest assured, I will not allow this injustice to stand. I will not be silent in the face of this violation. You have XXXX days from the date of this letter to correct these wrongs and restore my rightful credit standing. 
I look forward to your swift and just resolution of this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation