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Erick Ramirez

@erickramirez2

Credit reporting specialist at Santander Consumer USA resolving consumer disputes and auditing credit data.

At Santander Consumer USA, I investigated consumer dispute letters and validated account status and debt claims. I also reviewed information from Pinpointe, Equifax, Transunion, and Experian to support accurate credit reporting.

I supported fraud investigations, account updates, and projects involving backdated payments and AUD corrections. Earlier, I worked in collections and reinstatement, resolving payment issues and supporting compliance with state and federal regulations.

Experience

Work history, roles, and key accomplishments

Credit Bureau Reporting Sr. Representative

Santander Consumer USA

Jan 2021 - Jun 2026 (5 years 5 months)

Investigated and resolved direct dispute letters from consumers, ensuring accurate account status and validating debt claims. Supported special projects including backdated payment resolution and AUD corrections, highlighting SCRA consumer protection.

Dispute Resolution Credit Reporting Pinpointe Equifax TransUnion Experian ACDVS SCRA Fraud Investigation Data Analysis

Credit Bureau Reporting Representative (Fraud)

Santander Consumer USA

Jan 2020 - Jan 2021 (1 year)

Reviewed customer documentation to identify potential identity theft or fraud incidents and supported the investigation and resolution of related claims. Managed account updates including AUD deletions and SHAW waivers to reflect confirmed fraud trade lines.

Fraud Investigation Identity Theft Credit Reporting AUD Deletions SHAW Waivers Block Notifications Rescissions Teamwork

Credit Bureau Reporting Representative

Santander Consumer USA

Jan 2018 - Jan 2020 (2 years)

Analyzed credit reports to validate customer data and determine account standing, ensuring compliance with company and federal regulations. Provided critical support to DMDC by verifying and reporting accurate status updates on military personnel accounts.

Credit Reporting Data Analysis Compliance E OSCAR System Innovis SHAW SCRA DMDC Project Management

Collections & Reinstatement Specialist

Santander Consumer USA

Jan 2012 - Jan 2018 (6 years)

Analyzed customer account histories to resolve root-cause payment issues and ensure long-term portfolio stability. Partnered with third-party vendors such as repossession agencies and auction facilities to streamline processes.

Collections Reinstatement Customer Education Vendor Management Compliance State And Federal Laws