Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12269474
Complaint Overview
Complaint ID: 12269474
Company: Santander Holdings USA, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Illinois
ZIP Code: 60636
Date Received: 2025-02-27T12:00:00-05:00
Date Sent to Company: 2025-02-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint and dispute regarding fraudulent and illegal reporting on my XXXX ( XXXX ) credit report. I am a victim of identity theft, and the following accounts were opened without my knowledge or authorization. Additionally, I am filing a complaint against Santander Consumer USA, XXXX XXXX, and XXXX XXXX for illegally re-aging and repeatedly charging off these accounts, thereby resetting the XXXX reporting period. This practice is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Legal Grounds : Section 605B ( 15 U.S.C. 1681c-2 ) Requires the blocking of fraudulent accounts within 4 days. 15 U.S.C. 1681i Mandates a reinvestigation of disputed accounts. 15 U.S.C. 1681n Holds reporting agencies and creditors liable for willful non-compliance, including punitive damages. 15 U.S.C. 1692 Prohibits unfair practices, including re-aging debts to manipulate credit reporting timelines. Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$13000.00} Violation : Re-aging and repeated charge-offs, resetting the XXXX reporting timeline illegally. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} Violation : Re-aging and repeated charge-offs, violating the FCRA. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Violation : Re-aging and repeated charge-offs, manipulating the credit reporting period. Violations and Demands : XXXX ( EXPN ) is illegally reporting negative information from fraudulent accounts, which violates the FCRA. This is especially concerning given Experians ongoing legal challenges for inaccurate credit reporting practices. XXXXSantander Consumer USA XXXX XXXX XXXX XXXX and XXXX XXXX are manipulating charge-off dates and re-aging accounts to unlawfully extend the 7-year reporting limit, violating 15 U.S.C. 1681c. 3.Under Section 605B, I demand the immediate removal of all fraudulent accounts within 4 days. 4.Under 15 U.S.C. 1681i, I request a full reinvestigation of each disputed account due to fraud and inaccuracies. 5.Under 15 U.S.C. 1681n, I am notifying all parties involved that continued non-compliance will result in legal action, including claims for statutory and punitive damages. Cease and Desist Notice : Under 15 U.S.C. 1692, I am issuing a Cease and Desist notice to Santander Consumer USA, XXXX XXXX, and XXXX XXXX. All communication and collection efforts regarding these fraudulent accounts must cease immediately. Any continued contact will be considered harassment and a direct violation of the FDCPA. Federal Trade Commission ( FTC ) Report : This dispute is supported by an official Identity Theft Report filed with the FTC, which provides legal proof of fraud under Section 605B. This report is enclosed for your review and further validates the necessity for immediate removal of these fraudulent accounts.
Frequently Asked Questions
What is Complaint #12269474 about?
Complaint #12269474 was filed against Santander Holdings USA, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-02-27T12:00:00-05:00.
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.