Santander Consumer USA Holdings Inc Consumer Loan Complaint

Santander Consumer USA Holdings Inc Consumer Loan department,

Vehicle loan Taking out the loan or lease North Carolina

I am a recent college grad and after graduation I met with a credit counselor to discuss how I can build my credit. Surprisingly, I found that there were several pieces of incorrect information on my credit files that did not belong to me. Specifically this Santander Account has a - charge off collection filed on my - and - reports! I have never done business with this company so of course I submitted a dispute. After the dispute was done, it was still on my credit file and I was told that Santander conducted an investigation and " told '' them they had documents to verify that this is my account. I asked the credit bureaus to send me the documentation and of course they told me to contact Santander because they never actually sent them the PROOF. I called Santander 2 times to request these documents that they claim show proof of this account being mine and both times they REFUSED! The representatives were very defensive and rude. I was so amazed at how they could just state that I owe them something without no documentation. I am taking every action possible against this company and a law suit will be next.