Date Received: 2021-08-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Letter of Deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX TX XXXX I XXXX XXXX, Identify as a Consumer, in Pursuant to 15 usc 1681a ( c ) Natural Person in Pursuant to 15 usc 1681a ( b ) and Original Creditor, in Pursuant to the FCRA, Federal law, which makes me Sovereign in a Sovereign State/ Corporation/ Entity, The States , that President Roosevelt Signed for Bankrupt in 1933. I intend to fully invoke my Powers as a Consumer and exercise my Federal Protected Rights in Pursuant to the U.S. Code Title15 Chapter 41 On this XXXX day of XX/XX/XXXX, I XXXX XXXX am Lawfully writing the Credit Reporting Agency XXXX, to demand the removal of the Unauthorized,, Fraudulent, Inaccurate and Erroneous credit inquiries placed on my Report without my written and/or verbal authorization. My Identity has been compromised and my Right to Privacy has been violated in Pursuant to 15 US code 1861 ( a ) 4, and Identity Theft. There is no Statute of Limitation on fraud. My findings show Fraudulent Activity. These unfair and deceptive and inaccurate credit reporting methods has undermined the public, which is essential to the continued functionality of the banking system, in Pursuant to, 15 US Code 1681 ( a ) 1, in which, I, the Consumer, give the corporation life in the form of my Credit. I dispute the validity and accuracy of these inquiries on MY credit report and demand for them to be removed and deleted from my report immediately. I was never notified, I never granted permission, I never authorized for my private information to be furnished by the agencies or the corporations to inquire about my credit worthiness, which is a violation of my Consumer Rights. I, XXXX XXXX, the Consumer, of healthy and sound mind, body and soul, can fully represent myself and any Personal, Private information needed can be verified by me, the Original Creditor. Obtaining my Private information without my Granted Permission is a violation of my Federal Consumer Rights, in Pursuant to 15 US Code 1681b Permissible Purpose, and I seek damages for injury Pursuant to 1681n for civil liability for willful noncompliance, in the form of {$1000.00} per violation. My Character has been damaged. Congress states the agencies ASSUMED their roles in evaluating consumer credit In Pursuant to 15 US Code 1681 ( a ) 4, therefore the Consumer Federal Protection Laws were put in place to prevent unfair and deceptive methods of practice and Protects me, the Consumer, Natural Person, Individual. Present to me Proof of any written documents with me giving such authority to furnish my Personal Private information in any instance, Signed and Notarized by your Senior Executive. I dispute the following Inquiries : XXXX Inquiries XXXX XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX. XXXX XXXX XXXX TX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX/XXXX XXXX ( XXXX ) - XXXX XXXX XXXX XXXX XXXX NY XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Inquiry date : XX/XX/XXXX CHRYSLER CAPITAL/ SANTANDER ( XXXX ) - XXXX XXXX XXXX. XXXX XXXX XXXX XXXX TX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX Remove and Delete from my Consumer Credit Report Immediately
Company Response:
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The company processed an incomplete cease and desist by still using an indirect medium of communication with the consumer after being directed not to violating 15 U.S.C. 1692c ( c ). The company stated in the communication that the consumer owed a debt violating 15 U.S.C. 1692b ( 2 ). The company also used language and symbols in both the communication and envelope indicating that they are in the debt collection business violating 15 U.S.C. 1692b ( 5 ). This company has caused a great amount of harm to my reputation as a consumer directly violating 15 U.S.C.1692d ( 1 ). They also used language to abuse me as a consumer, along with causing my phone to ring numerous times and even gave the implication that nonpayment of the alleged debt will result in the seizure of my property. This action was a number of violations being 15 U.S.C. 1692d ( 2 ) ,1692d ( 5 ), and 1692e ( 4 ). They also reported credit information which is known to be false by the failure to communicate that the alleged debt is disputed violating 15 U.S.C. 1692e ( 8 ). This company has gave the consumer the false implication that the account has been turned over to innocent purchasers for value as well as compiling forms to create the false belief in the consumer that he is not the original creditor violating 15 U.S.C. 1692e ( 12 ) and 1692j ( a ). It is a fact this company has civil liability for the violations committed against the consumer under 15 U.S.C. 1692k.
Company Response:
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My vehicle was totaled in XX/XX/XXXX. The account was closed and charged off, it's been in that status ever since. Two weeks or so ago, I asked for it to be removed from credit report a little early instead of waiting for XX/XX/XXXX due to having a terminal illness, it's been in charge off status for 6 yrs and they ignored the request and made the account status " open '' again on XXXX. That isn't right. If they don't want to help me with account by removing the negative even though it's been so long and i'm XXXX awaiting a XXXX XXXX and will not be able to repay then just leave the account in CLOSED status. Don't reopen
Company Response:
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I applied for auto financing with XXXX XXXX in XXXX, Tn with my Credit Card pursuant to ( 15 USC 1602 ( I ) ). XXXX XXXX sent the application to XXXX XXXX XXXX.. XXXX XXXX XXXX denied me Credit. To my understanding Credit is a " Right '' not a privilege. XXXX XXXX XXXX has violated my right to extend credit under ( 15 USC 1602 ( g ) ) and ( 15 USC 1681 ) TILA.
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The 3 Credit Bureaus are reporting inaccurate information on SANTANDER ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Chrystler Capital is attempting to collect a debt not owed by me. I have never signed or applied for a loan with them. This is affecting my credit rating, and is defamation of my character.
Company Response:
State: TX
Zip: 778XX
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I purchased a vehicle from XXXX XXXX XXXX located in XXXX, SC in XXXX ( account number XXXX ). I paid {$10000.00} down with a remaining balance of {$8600.00} to be financed. I currently have a balance of {$4300.00} of which I pay {$210.00} per month. I've asked the company to please check my payments because I have paid for the car almost 6 years. I've received a printout that shows over 90 % of the payment is against the interest and nothing against the principal month after month. I also show missed payments that weren't applied to my loan. I'm writing requesting all the help I can possibly get to assist me with clearing this loan. This company has me paying 7 or 8 years for an XXXX balance. This is not the way it was explained to me at the time of purchase. PLEASE HELP!
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The auto was repossessed XX/XX/2015 the payment history is inaccurate I didnt have possession of the vehicle and their are missing monthly account balances in report! They are charging late fees for 2 years and storage and showing payments made as late for the two years they are charging fees for and missing payments information inaccurate dates of sale and payment information! Date of first reported is different on every report and date of charge off is different than new report dates! Missing payment information and inaccurate payment information
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Open in 2019 have no knowledge of account
Company Response:
State: NC
Zip: 28227
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I purchased a XXXX XXXX XXXX in XXXX That was financed with Santander Bank, At the time of purchase before signing any paperwork i was concerned about the payment of XXXX per month when my SSI was only XXXX per month knowing i could not make this kind of payment for a long period of time i spoke with Santander and there answer to my worries were settled when they explained if i made my payments for 6 months on time i could have the loan refinanced and it would most likely be half of the amount i was paying so i decided to go ahead with the deal and got a part time job to be able to afford the car. Then Covid hit the world and i lost my job so i called to get my loan refinanced and was told they didn't refinance loans and explained when i purchased the car i was told after 6 months i could and they replied yes with another bank or credit union. I then also found out while trying to get my car refinanced that i had only been paying interest nothing has brought the car amount down so i could not get it refinanced after all. So stressed out because i knew i had to get help or lose my car and my credit i called Santander explaining my problem so they offered me assistance because of the covid virus. So during that i went to several places to try to trade it in for a cheaper payment but that to was a dead in i was upside down over XXXX XXXX dollars so if i wanted to get out of the payment that's what i would have to come up with which was not possible. So i reached out to Santander again and they explained the there was nothing they could do for me either pay the payment or give the car up. Well that was not a option so while researching what i could possibly do i saw a article about Santander being sued so i read it and it was for the same thing they did to me to the tee ... Then i got the information and called and made a complaint but because the lawsuit was already settled for XXXX XXXX dollars i was not included in it. I felt i have tried everything so i contacted Santander again they still would not budge to lower the payment and to find out my loan had gone up XXXX XXXX dollars because of the assistance they gave me. I then explained that i thought that the government gave the money to companies to help consumers like me and quickly i was told i was wrong Then told that if i did not have the payments caught up by the end of XXXX they were charging it off on my credit. So i have since started back to work but not able to fix this long overwhelming problem so i have nothing else left to do but look for help because it was known from the beginning i could never afford a payment like that for a long period and i feel like they got over on me and every way i tried to fix it Santander had me blocked where it was never since the first day for me to get through this and they knew it.. So with everything i have been through i feel very wronged and no way to win ...
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A