Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Account Reporting Request for Investigation and Validation Re : Joint Installment Account | Opened XX/XX/XXXX | Charged-Off | Creditor : [ Insert Creditor Name if known ] Account Number : [ Insert account number if known or available ] Dear, to whom it may regard I am writing to formally dispute the accuracy and validity of information being reported on my credit file regarding the above-referenced account. This account is being reported as a charge-off with a past due balance of {$4500.00}, despite no payments being made since XX/XX/XXXX, and a date closed listed as XX/XX/XXXX. Additionally, the terms are reported as {$0.00} per month for 72 months, which is both inconsistent and inaccurate for an active installment loan. 

Under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am requesting a thorough investigation into this account. Specifically, I am disputing the following elements of the reporting : The accuracy of the past due balance The payment terms stating " {$0.00} per month '' The status of the account as Charge-off while still listing inaccurate monthly terms The date last updated ( XX/XX/XXXX ) and date closed, which may be in error or misrepresenting the true account activity Failure to indicate that this is a disputed account on my credit file In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Dodd-Frank Wall Street Reform and Consumer Protection Act Law 111-203, Title X, 124 Stat. 2092 ( XXXX ), if this debt is being collected or reported by a third party ( e.g., a collection agency ), I am demanding full validation of the debt. Please provide : A copy of the original contract bearing my signature A full payment history and breakdown of how the balance was calculated Documentation showing legal ownership of the debt by the reporting party The name and address of the original creditor Verification that this account is being reported in compliance with the FCRAs requirements for completeness and accuracy If the account can not be fully verified, I respectfully request that it be removed from my credit file entirely under FCRA 611 [ 15 U.S.C. 1681i ( a ) ]. 

Additional Notes : This account is affecting my ability to secure credit and is being reported in a manner that is unfair and misleading. 

You are required to complete your investigation within 30 days of receipt of this letter. 

If this dispute is not resolved in compliance with FCRA regulations, I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. 

Please respond in writing with the results of your investigation. If this information can not be verified, it must be deleted from my credit report per FCRA 1681i. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation