Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11772160
Complaint Overview
Complaint ID: 11772160
Company: Santander Holdings USA, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: New Jersey
ZIP Code: 080XX
Date Received: 2025-01-24T12:00:00-05:00
Date Sent to Company: 2025-01-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
Last year in XXXX I checked my credit report and noticed 2 inquiries on my credit report On XX/XX/XXXX I checked my credit report and noticed 2 inquiries on my credit report placed on XXXXXXXX by 4 different companies that I never permissible purpose to do so. Santander Consumer USA XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX On that same day. I sent them all letters notifying them that I never initiated any transactions with theyre companies and they fraudulently accessed my credit report and placed negative items on my report. I asked them to remove these inquiries from my report because I never gave them permission to access my report according I made sure to let them know that they are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) and too this day they still have not removed it and as a result it is still causing me great stress, and still making an impact on my credit report causing a lower score on my credit report making it harder for me to obtain credit. I never got a response back and dont know what else to do \
Frequently Asked Questions
What is Complaint #11772160 about?
Complaint #11772160 was filed against Santander Holdings USA, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-01-24T12:00:00-05:00.
How did Santander Holdings USA, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Santander Holdings USA, INC.?
Yes, visit the Santander Holdings USA, INC. company profile at readthecomplaint.com/company/santander-holdings-usa-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.