Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
ON XXXX XXXX I RECENTLY RECEIVED A COPY OF MY CREDIT REPORT I NOTICE THERE IS UNAUTHORIZED CREDIT INQUIRIES MADE BY THE COMPANY 'S LISTED BELOW I CONTACT XXXX REGARDING THE UNAUTHORIZED CREDIT INQUIRES ON XX/XX/XXXX XXXX I SOPKE WITH XXXX REPRESENTATIVE XXXX XXXX XXXX 
I TOLD XXXX XXXX XXXX TO MY KNOWLEDGE I HAVE NOT SIGNED ANY DOCUMENTS AUTHORIZING THE COMPANY 'S IN QUESTION TO VIEW MY CREDIT REPORT AND THAT THE LISTED INQUIRIES WAS WITHOUT MY AUTHORIZATION. XXXX XXXX PLACE ME ON HOLD WHILE HE INVESTIGATES ON HIS END CHECKING AND VERIFYING HIS SYSTEM. XXXX THEN CAME BACK TO THE PHONE AND TOLD ME THAT I HAVE NO ACCOUNTS OPEN WITH ANY OF THE COMPANY 'S BELOW AND WHAT I NEEDED TO DO IS SEND A LETTER IN WRITING TO HAVE INQUIRES REMOVE. 
ON XXXX XXXX XXXX MAIL OFF CERTIFIED NOTARIZE LETTERS INDIVIDUALLY TO XXXX AND LISTED COMPANY 'S ASKING TO INITATE AN INVESTIGATION AND REMOVE INQUIRIES FOR THE LISTED COMPANY 'S ON XX/XX/XXXX I RECEIVE A LETTER FROM XXXX WITH RESULTS OF INQURIES DELETED FROM MY REPORT ON XX/XX/XXXX I CHECK MY XXXX REPORT NO CHANGES HAS BEEN MADE IT STILL SHOWS ALL 38 UNAUTHORIZES COMPANY ; S.

1.INQUIRY MADE BY : XXXX XXXX XXXX MADE ON : XX/XX/XXXX 2.INQUIRY MADE BY : XXXX XXXX XXXX MADE ON : XX/XX/XXXX 3 INQUIRY MADE BY : XXXX XXXX XXXX INQUIRY MADE ONXXXX 4.INQUIRY MADE BY : XXXX XXXX XXXX INQUIRY MADE ON : XX/XX/XXXX 5.INQUIRY MADE BY : XXXX XXXX XXXX XXXX VIA DEALER INQUIRY MADE ON:XXXX 6.INQUIRY MADE BY : XXXX XXXX INQUIR MADE ONXXXX 7.INQUIRY MADE BY : XXXX XXXX OF INQUIRY MADE ON:XXXX XXXX MADE. BY : XXXX XXXX XXXX XXXX XXXX MADE ONXXXX 9.INQUIRY MADE BY : XXXX XXXX INQUIRY MADE XXXX XXXX MADE BY : XXXX XXXX XXXX INQUIRY MADE ON XXXX 11.INQUIRY MADE BY : XXXX XXXX INQUIRY MADE ON XXXX 12.INQUIRY MADE BY : XXXX XXXX XXXX XXXX DEALER INQUIRY MADE ON:XXXX 13.INQUIRY MADE BY : XXXX XXXX XXXX INQUIRY MADE ON:XXXX 14.INQUIRY MADE BY : XXXX XXXX XXXX INQUIRY MADE ON XXXX 15.INQUIRY MADE BY XXXX XXXX XXXX XXXX INQUIRY MADE ONXXXX 16.INQUIRY MADE BY : XXXX XXXX XXXX INQUIRY MADE ON XXXX XX/XX/XXXX 17.INQUIRY MADE BY : XXXX XXXX XXXX INQUIRY MADE ON:XXXX 18.INQUIRY MADE. BY : XXXX XXXX XXXX INQUIRY MADE ON ; XX/XX/XXXX 19.INQUIRY MADE BY : XXXX XXXX INQURY MADE ONXXXX 20.INQUIRY MADE BY ; XXXX XXXX XXXX MADE XXXX 21.INQUIRY MADE BY : XXXX XXXX INQUIRY MADE ON XXXX 22.INQUIRY MADE BY : XXXX XXXX XXXX INQUIRY MADE ONXXXX 23.INQUIRY MADE BY:XXXX XXXX XXXX XXXX INQUIRY MADE ON:XXXX 24.INQUIRY MADE BY : XXXX XXXX XXXX XXXX VIA DEALER INQUIRY MADE ONXXXX 25.INQUIRY MADE BY : XXXX XXXX XXXXE INQUIRY MADE XXXX 26.INQUIRY MADE BY : XXXX XXXX INQUIRY MADE ONXXXX 27.INQUIRY MADE BY : XXXX XXXX XXXX INQUIRY MADE ONXXXX 28.INQUIRY MADE BY : XXXX XXXX XXXX INQUIRY MADE ON:XXXX 29 : INQUIRY MADE BY : XXXX XXXXXXXX INQUIRY MADE ONXXXX 30.INQUIRY MADE BY : XXXX XXXX XXXX INQUIRY MADE ONXXXX 31.INQUIRY MADE BY XXXX XXXX XXXX XXXX XXXX INQUIRY MADE ON:XXXX XXXX MADE BY : XXXX XXXX XXXX  INQUIRY MADE ONXXXX XXXX3.INQUIRY MADE XXXX XXXX XXXX XXXX INQUIRY MADE XXXX 34.INQUIRY MADE BY : XXXX INQUIRY MADE XXXX XXXX : INQUIRY MADE BY : XXXX XXXX XXXX INQUIRY MADE ONXXXX 36.INQUIRY MADE BY : XXXX XXXXXXXX XXXX INQUIRY MADE ONXXXX XXXX MADE BY XXXX XXXX XXXX XXXX MADE XXXX 38.INQUIRY MADE BY : XXXX XXXX XXXX MADE XXXX

Company response to consumer: Closed with explanation