Consumer complaint received 2023-09-22
Company: Camelot Financial Services, Inc.
State: IN
Product: Credit reporting 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 have received mails from different financial organizations few weeks back which states that, a loan application was submitted on my behalf from Ray Skillman XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX of a XXXX XXXX XXXX. I like to mention that, I have never applied to get a XXXX XXXX XXXX as well as I have never approved my consent for a credit application. I have contacted all those financial organizations to dispute all those inquiries but they have advised me to contact the car dealership and the dealership should retract my application. I have contacted the car dealership and they have told me that they have not charged and/ or contracted me for anything, and when I have told them to dispute the hard inquiries, one of their managers have told me they have no idea how to do that and they have never heard of such inquiry dispute. However, the manager named XXXX XXXX has advised me if any financial organization and/ or credit reporting agency contacts him, then he will verify that I have not consented to the application and he is willing to verify that it was done mistakenly, he can be contacted at XXXX. 

The background of the event is : I saw a used XXXX XXXX XXXX in their website and I inquired about that. When I noticed and also, I was notified that it got sold, I instantly ( on XX/XX/XXXX ) told my handling sales repXXXX XXXX to pause my application as the car I was looking for got sold. Then she asked me if there would be any particular car I was looking to get, I replied saying I was looking for a XXXX XXXX and when she called me in my phone, I also advised here about my preference in terms of year of the car and my budget. Later she told me that her colleague would reach out to me if he found cars of my preference. Next day ( on XX/XX/XXXX ) another sales rep. XXXX reached out to me and advised I had been pre-approved for a XXXX XXXX XXXX and instantly I told XXXX that, the car was out of my preference and I had never asked for a newer car. That was the end of events. Then I started receiving mails from different financial organizations stating a loan application was submitted and either I was approved or I was denied or I was approved with conditions. 

As my credit report shows so many hard inquiries in XXXX moth, it impacts negatively on my financial goals and targets. As a result, I am being impacted on a personal level too. So, I am requesting to you to dispute those credit inquiries from my record. 
I am attaching my email threads with Ray Skillman as a proof as well as the finance manager at Ray Skillman named XXXX XXXX ( email : XXXX ) can verify that I did not consent for an application nor did I consent for hard inquiry. 

The only two financial organizations to which I have consented for a hard inquiry and loan applications are : XXXX  XXXX XXXX XXXX and XXXX XXXX. All others were applied without my consent.

Company response to consumer: Closed with explanation