Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT **Thank you for responding to my letter. First point you are sending me documents that I am not asking for! Your letter states its your policy to report all customer accounts to the CRAs in a consistent and accurate manner. Well, policy is NOT LAW! There is no law that exist that states you MUST report my private nonpublic information to a nonaffiliated third party. Second point, I didnt ask you for a Notice of our plan to sell property letter. Dont know how thats relevant to the information below and what I am requesting! I am requesting for the second and final time to remove my information from my consumer report. Its interesting how you sent me these documents but did not provide me with all A B & C discourses ( 15usc 6802B ), stating I have the right to opt out of reporting! This notice of our plan to see property letter means nothing to what Im referring to! However, you communicate electronically or verbal to the CRAs please remove this account from my consumer report! Its also interesting how you settle a lawsuit back in XX/XX/XXXX for over 4 million dollars for furnishing consumer loan information to CRAS that you knew or reasonably should have known was inaccurate including failing to furnish accurate information between the years of XXXX and XX/XX/XXXX. Since I had a vehicle finance by your institution, I could have been a victim of you violating your own policy and FCRA laws. You already been on public court case records for violating FCRA laws Santander. This is my final notice to cure before I seek legal action! Make of car : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I recently reviewed a copy of my credit report and I noticed an account on my consumer report that should not be on there. I demand this account to be deleted from my consumer report immediately. 
*** Santander Consumer USA ***** The reporting of this account is a violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So, let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I am writing you this regarding to the above-referenced account and transaction. This vehicle was purchased at XXXX on XX/XX/XXXX I have recently come across information from the Federal Trade Commission ( FTC ) more specifically, the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Santander Consumer USA knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. Nothing on these contracts contains these CLEAR AND CONSPICUOUS disclosures! 
You are in violations of several federal laws you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. Should you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision. 
15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, XXXX XXXX XXXXarital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. Its interesting how one of your representatives stated to me on a recorded line that your organization ARENT ABLE to remove an account from the credit reporting agencies. If you have the power to furnish the information you should have the power to remove it. Why should I have to contact the consumer reporting agencies if YOU ARE THE ONE that reported it????. That makes XXXX sense to me. YOU HAVE an ongoing obligation to protect my private and personal nonpublic information. According to15 USC 6801 under ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. You shared my personal information to non-affiliated business such as XXXX, XXXX, XXXX, XXXX. Keep in mind these CRAS has had documented data breaches. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. Although those breaches had nothing to do with you but as a financial institution you still shared my nonpublic information. Lastly, PROVIDE ME WITH THE LAW that states you must report my nonpublic information. I just provided you with laws and proof. 
Where is yours?? I DO NOT WANT TO SEE a company policy. COMPANY POLICY IS NOT LAW. This is my final notice after I attempted to get this resolve over the phone. Please remove this account from my consumer report. I will pursue legal action under 15usc 1681n under Civil Liability for willful noncompliance. I recently discovered you have documented lawsuit ( s ) on department of justice website and a few more lawsuits for your negligence towards your customers and potential consumers. Please do the right thing Santander!

Company response to consumer: Closed with explanation