Date Received: 2022-03-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Disputed information thats reported against me with the XXXX. I specifically explained in detail what incorrect and incomplete information is being reported against me. They claim that they did an investigation, but the information is still being reported incorrect and incomplete. In attached document will show the account with missing information from sept. XXXX to XX/XX/XXXX. This is also showing inaccurate late payments for feb. XXXX, XXXX XXXX also innacurate late payments for XX/XX/XXXX, XX/XX/XXXX.
Company Response:
State: GA
Zip: 30064
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: TX
Zip: 76006
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credit, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my Social Security number has been used unauthorized, and without consent and written or verbal permission. My Social Security number information was breached and alleged creditors have used my Social Security number and are in violation of the privacy act of XXXX etc. unless they can prove a written contract exist. XXXX has received my FTC Identity theft report, FTC Complaint and Affidavit, and proof of identification via USPS certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX signed for by XXXX agent XXXX XXXX, there is no proof to the contrary. XXXX is in direct violation of the FCRA section 605B 15 USC 1681c-2 Block of information resulting from identity theft as pursuant they must remove all fraudulent and inaccurate information from my consumer report no later than four ( 4 ) business days after the date of receipt
Company Response:
State: NJ
Zip: 07105
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I have already mailed you this letter previously and I did not get a response by mail. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all paperwork you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am 1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account. 2. I also want to know who is the original creditor? 3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. I am also requesting all financing paperwork 5. Iam also requesting the Dealer documents 6. I am also requesting the redemption notice that you were suppose to send to me that I never received. 7. I am also requesting the deficiency notice that you were suppose to send to me that I never received. 8 Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I leased a XXXX in 2020. It was in the shop more than 4+ times for the same problem, so the vehicle went back under the AZ Lemon Law. Chrysler Capital paid me for the return of the vehicle. Chrysler sent letters to all XXXX credit bureaus that the lease had been closed with a zero a balance. XXXX is still showing the account as open with a $ 10+K balance. Chrysler gave me a letter to give to XXXX to have the credit report corrected.
Company Response:
State: AZ
Zip: 85258
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hello good afternoon, I had a predatory lending auto loan with Santander Consumer USA in XXXX. I financed a vehicle in XXXX with Santander, the terms of the loan were 22.94 % interest rate at a monthly payment of {$800.00} and {$27000.00} for interest, the full pay off amount for the vehicle at the time was {$63000.00} on a XXXX vehicle. The account defaulted and vehicle was repossessed because I was unable to make such high large payments due to my job lay off. However on XX/XX/XXXX, I settled the balance in full on the account with a collections agency who had taken over the account. Per my findings, the account is still being reported in a collections/charge-off status on all three ( 3 ) of my credit reports ( XXXX, XXXX and XXXX ) Santander has refused to remove the account even after settling in full. They have advised I would need to wait 7-10 years to remove this negative remark off of my credit even after settling the account in full. Santander intentionally put me in this predatory lending loan, my monthly income on the Santander Finance application was falsified. Santander put {$6000.00} as my monthly income as I only made about {$13000.00} which was reported on my tax return for the year of XXXX. They have not provided any solution or resolution to address this matter even after paying Santander thousands of dollars to settle the account.
Company Response:
State: NY
Zip: 11106
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Im writing this letter concerning the SANTANDER XXXX account listed on my credit report which is owned by my ex-husband. I have the court order from the divorce decree that Im not held liable or responsible for the vehicle that I co-signed with my ex-husband. This vehicle continues to report even after the date the court order was given and the divorce decree was granted. It is tiring and expensive going back and forth sending dispute letters to the bureaus and they do not mind reporting the same inaccurate information over and over. Under Sec 1681 of the FCRA, the credit bureaus must delete inaccurate, unverifiable, missing, or outdated information on my credit report. If this account is not reporting 100 % accurately, I request deletion immediately. This reporting is totally ruining my credit rating which is the effect of losing the current home that Im buying for my children. I already submitted all the necessary documents and disputes to the bureau but no action has been taken and they keep reporting this account which should be deleted in the first place. I demand the immediate deletion of this account.
Company Response:
State: FL
Zip: 34983
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: Santander Consumer USA on XXXX, XXXX, 2022 repossessed my car without notice or warning. My current address is XXXX XXXX XXXX XXXX. Inside the car was personal information and property that belongs to me. I also have reason to believe with a UCC Lien search that Santander does not have a lien on the property. Therefore Santander consumer USA stole my property without giving notice of any kind to the owner. The public was made known of the ownership of the vehicle. In the event that this was a mistake or misunderstanding, I am making a good faith effort to rightfully reclaim my property. Any items or information compromised due to the negligence of Santander will be repaid and returned to me. I have made several attempts to call and communicate with Santander. Please see Florida statutes 537.012 ( 2 )
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-20
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: In XXXX I got many health problems but I don't remember what is this about there's two or three of this collection company trying to call every time they can I don't know where they get my information bit the was an old debtor from I don't remember much about XXXX of them after I couldn't pay they started to increase even double it up the amount that's why I tried to paid them but in most of the cases it was too much XXXX in was bad for everyone but they never cared that's what I remember about any of my old accounts that they are 15 or plus years
Company Response:
State: FL
Zip: 33909
Submitted Via: Web
Date Sent: 2022-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A