Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6279228
Complaint Overview
Complaint ID: 6279228
Company: Santander Holdings USA, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Investigation took more than 30 days
State: Louisiana
ZIP Code: 707XX
Date Received: 2022-12-04T12:00:00-05:00
Date Sent to Company: 2022-12-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hi, I originally disputed XX/XX/XXXX, via mail handwritten letter. I was never notified about a debt I owed with Santander Consumer USA Account # XXXX. I asked Santander Consumer USA to verify the debt and I never received a response and it have been well of XXXXdays. I included my updated mailing address in the letter to make sure Santander Consumer USA would know where to respond to my dispute. I also noticed on my credit report a few details and I wanted to know how the balance was calculated. I would like a signed contract between myself and the debtor. This is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. I also stated that the date of last activity was XXXX I would like a list of all activity on the account.
Frequently Asked Questions
What is Complaint #6279228 about?
Complaint #6279228 was filed against Santander Holdings USA, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2022-12-04T12:00:00-05:00.
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, credit repair services, 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.