Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #7471862
Complaint Overview
Complaint ID: 7471862
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: Account information incorrect
State: Alabama
ZIP Code: 366XX
Date Received: 2023-08-29T12:00:00-05:00
Date Sent to Company: 2023-08-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to request that you immediately cease reporting any information to the credit bureaus regarding the alleged debt you claim I owe until you have fully verified the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). In addition to the above, I urge you to provide me with the original contract bearing my signature and that of the original creditor, as well as the bill of assignment. Please ensure that any accommodations granted are reflected in the original contract or bill of assignment. Furthermore, I demand that you provide me with evidence of the license to collect in Tennessee, if any insurance has been filed on this debt by the original creditor, and if a 1099-C has been filed. Finally, I urge you to provide errors and omissions insurance. I hope that you will be able to supply all the required information promptly. If you fail to comply with any of the above requests, I will consider taking legal action against you in future. The account status is showing Derogatory status on XXXX XXXX XXXX ; XXXX is showing Open status on my credit report. In addition, HOW IS THIS INFORMATION ACCURATE? The Monthly payment for XXXX is showing XX/XX/XXXX for XXXX ; For XXXX and XXXX it is showing monthly payment of XX/XX/XXXX. How is this an accurate account? XXXX XXXX XXXX is showing the High Credit as of {$35000.00}, however, XXXX is showing high credit as of {$35000.00}. ... XXXX is showing Past Due Balance of {$2200.00}. XXXX XXXX XXXX is showing past due balance {$35000.00}. The payment status for XXXX is showing " Late 90 Days ''. The payment status for XXXX and XXXX is showing " Collection/Chargeoff ''. Why the date last reported for XXXX is showing XX/XX/XXXX. The date last reported for XXXX is showing XX/XX/XXXX. The date last reported for XXXX is showing XX/XX/XXXX. The comment by your company states '' Charged Off Account '' which means you need to send me a 1099c form.
Frequently Asked Questions
What is Complaint #7471862 about?
Complaint #7471862 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 2023-08-29T12:00:00-05:00.
How did Santander Holdings USA, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.