Consumer complaint received 2026-01-28 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: GA

Complaint narrative:
NOTICE OF FORMAL DISPUTE, CEASE COMMUNICATION, AND DEMAND FOR INVESTIGATION This letter serves as my formal notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

I am disputing the accuracy, completeness, and verifiability of the account ( s ) you are reporting under my name. This dispute is made in good faith and with lawful authority.

LEGAL BASIS FOR DISPUTE 1. FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits any furnisher from reporting information that is inaccurate or incomplete.

2. FCRA 15 U.S.C. 1681s-2 ( b ) Requires a furnisher, upon notice of dispute, to conduct a reasonable investigation and correct or delete unverifiable information.

3. FCRA 15 U.S.C. 1681e ( b ) Requires consumer reporting agencies to maintain reasonable procedures to assure maximum possible accuracy.

4. FCRA 15 U.S.C. 1681i ( a ) Requires deletion or correction of any information that can not be verified within 30 days.

5. FDCPA 15 U.S.C. 1692c ( c ) TAKE NOTICE : I hereby refuse to pay the alleged debt ( s ). Under federal law, once a consumer notifies a debt collector in writing that they refuse to pay, the collector must cease all communication with the consumer.

Reporting negative information to a consumer reporting agency constitutes a form of communication and is therefore prohibited after receipt of this notice.

6. FDCPA 15 U.S.C. 1692e Prohibits false, deceptive, or misleading representations, including reporting information that can not be substantiated.

7. FDCPA 15 U.S.C. 1692f Prohibits unfair or unconscionable means to collect or attempt to collect any debt.

8. Uniform Commercial Code ( UCC ) 1-103 & 3-602 All commercial claims require proof of obligation, lawful ownership, and authority to enforce. Absent proper validation and chain of title, no enforceable claim exists. 



FORMAL DEMANDS Accordingly, I demand the following : Immediate cessation of all collection activity and communication, including reporting to consumer reporting agencies Strict proof of the alleged debt, including : Original creditor agreement bearing my signature Complete chain of custody / assignment Itemized accounting of the alleged balance Proof of authority to collect and report Deletion of the account ( XXXX ) from all consumer reporting agencies if verification can not be produced Failure to comply within the statutory timeframe will constitute willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, subjecting your organization to civil liability.

NOTICE OF INTENT This letter is not a refusal to cooperate but a lawful exercise of my federally protected rights. Any continued reporting, verification without investigation, or communication after receipt of this notice may be documented as evidence of statutory violations. 

Govern yourselves accordingly. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief