Consumer complaint received 2021-03-07
Company: General Motors Financial Company, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was prequalified through XXXX  XXXX and they sent me out a navigation system to dealerships that they deal with and I found one dealership that I was interested in it it was going to be motors in XXXX North Carolina I called the dealership and ask them do they have the car that I was interested in and one of the sales person yes so I told him that I was prequalified with Of the way and I just wanted to know what I need to do if I was interested in getting qualified to purchase the car so he told me but I told him I had to verify my pay rate will work before they could prequalify me so I am so I told him I will call him back I called them back and I couldnt verify my pay rate because I was out on short term XXXX So I was having problems getting into my portal to verify my wage well I work so I called the So I called the sales person back at XXXX And told him with my situation I told him that I couldnt get into my portal so I can verify my pay rate so Im a just have to hold off until I can get into it so he insisted and asked me that he know he could probably try to help me out on this situation he told me that he has situations like this with some of the employees who worked at my job who purchased calls from them he told me he could get into my portal if I might pay rate for me so he said of let me get some information from you OK yeah he asked me for my home address my employment my Social Security number when he asked for the Social Security number I told him and I reiterate dont run my credit without a really good sale dont run my credit I reiterated over and over again he say oh no I wont really quick so Im just trying to get into your portal to see if I could help you to verify your pay rate I have done this beforeOK so I said fine I say well Ill give you a call back the next day to see if you can get into see what what you have done the next day I called him back he told me he couldnt get into it the portal to verify my pay rate so I sit with us no problem I see is not a big XXXX XXXX right now Im not in a rush to get a car but you know Im trying to go through XXXX before the prequalification deadline Expire I said dont worry about it Ill get back with you Im a take care of this matter myself and I repeat it to him before I got off the phone dont run my credit without my written consent so after that two weeks later I letter in the mail from finance company called Ameri creditSaying that I dont do not qualify for a a call financial loan because its due to my credit situation The letter hadXXXX XXXX XXXX from XXXX North Carolina so I can know that the sales person who I was speaking with Submit itmy credit without my consent so I called the dealership and spoke with the sales person he tried to say that I gave him verbal consent to run my credit which I did and he lied about this matter so this is where I met with this situation right now there are several different finance companies sending me back letters which are bringing my credit now my credit has dropped 72 points since he submitted my information to all these finance companies I have got several letters from different finance companiesThis is where Im at right now with this situation

Company response to consumer: Closed with explanation