Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XX/XX/XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX RE : FORMAL COMPLAINT AND LEGAL DEMAND FOR IMMEDIATE INVESTIGATION AND REMOVAL OF FRAUDULENT INFORMATION To Whom It May Concern : This letter serves as a formal complaint and legal demand to open an immediate investigation into the fraudulent and inaccurate account ( s ) currently being reported on my consumer credit file. I have exhausted all reasonable efforts with the credit bureaus and data furnishers directly, and they have failed to take appropriate and lawful corrective action.

The following accounts are being fraudulently reported on my credit report : Creditor Name : Santander Bank Account Number : XXXX Reporting Bureau ( s ) : XXXX XXXX XXXX XXXXXXXX I am demanding your intervention under the Consumer Financial Protection Act, 15 U.S.C. 5531, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account ( s ) in question are in violation of my rights under the following laws : Legal Violations Involved : 1. FCRA 1681s-2 ( a ) Data furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate.

2. FCRA 1681i ( a ) Upon notification of a dispute, the consumer reporting agency must conduct a reasonable reinvestigation within 30 days.

3. FCRA 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

4. FDCPA 807 ( 8 ), 15 U.S.C. 1692e ( 8 ) Debt collectors are prohibited from communicating credit information which is known or should be known to be false.

5. FCRA 1681c ( a ) ( 4 ) Accounts resulting from identity theft or fraud must not be reported past the legal time frame or without proper verification.

6. FCRA 1681g ( a ) ( 1 ) I have the right to know all the information in my file at the time of my request, including the sources.

7. A 605B I have submitted a direct dispute and notified the bureaus that the information resulted from identity theft, and they are required to block and remove it from my file within four business days.

Despite submitting disputes and supporting documentation to the bureaus and the creditor, the account remains on my credit profile unlawfully. I am providing you with this written complaint to enforce my rights under Federal law and expect your office to investigate this matter thoroughly and force the credit bureaus and data furnishers to remove this account immediately.

If the CFPB fails to take action within a reasonable time frame, I will explore additional legal remedies, including but not limited to filing a lawsuit for actual damages, punitive damages, statutory damages, and attorneys fees, under 15 U.S.C. 1681n and 1681o.

I demand the following : A full investigation into this matter The immediate removal of the fraudulent or inaccurate account ( s ) A written confirmation from all reporting parties that the account ( s ) have been deleted A copy of the results of the CFPBs investigation I expect a response within 15 days, or I will proceed with further legal and regulatory actions. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation