Debt collection -- Attempts to collect debt not owed -- Complaint #5059856
Complaint Overview
Complaint ID: 5059856
Company: Santander Consumer USA Holdings INC.
Product: Debt collection
Sub-Product: Auto debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Illinois
ZIP Code: 60411
Date Received: 2022-01-01T12:00:00-05:00
Date Sent to Company: 2022-01-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Santander Consumer USA at address XXXX XXXX XXXX XXXX XXXX, TX XXXX, has been furnishing account # XXXX for {$13000.00} as a charge off on my consumer reports since XX/XX/2017. I have reported this canceled debt as income. Income is not to be reported or furnished on my consumer report, that is an invasion of my privacy and XXXX XXXX XXXX XXXX is violating the Fair Debt Collections Practices Act. On the websites of XXXX, XXXX and XXXX they state income is not to be reported on a credit report ( consumer report ). I am requesting Santander Consumer USA to show integrity and accuracy and delete account # XXXX from all consumer reporting agencies. I am also requesting the 1099-C and/or 1099-A or I will be forced to report Santander Consumer USA to the IRS for tax fraud .
Frequently Asked Questions
What is Complaint #5059856 about?
Complaint #5059856 was filed against Santander Consumer USA Holdings INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-01-01T12:00:00-05:00.
How did Santander Consumer USA Holdings 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 (Debt collection) and describe your issue in detail.
Can I see other complaints against Santander Consumer USA Holdings INC.?
Yes, visit the Santander Consumer USA Holdings INC. company profile at readthecomplaint.com/company/santander-consumer-usa-holdings-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.