hi Bank Santander reported " account risk '' for the XXXX accounts to " XXXX XXXX '' credit reporting company. Subsequently, other banks that I held bank personal accounts, credit cards, IRAs, XXXX accounts terminated my accounts. Now I have to open new accounts, but I have a hard time to do so, because XXXX keeps issuing " account risk '' for my ID. 
The problem is with bank Santander / Sovereign, I would like the information about " account risk '' to be removed from my file due to the following reasons : 1. I am a joint signor on the accounts, but I never performed any operations with this accounts. I did not receive any statement or information from the bank about these accounts, even though they have my correct address. 
2. I am not the owner of the company that owns these accounts and I have a limited liability for these accounts. 
3. The bank never gave me any information regarding any unpaid fees or any problems. 
4. The bank never gave me a chance to correct the situation and pay the fees or any other losses. 
5. The negligence of Santader bank causes me stress and I have troubles to open any other bank account. 
Contribution ref # XXXX & # XXXX that " XXXX XXXX '' received, for the accounts # XXXX and # XXXX. 

Regards XXXX XXXX 
