Consumer complaint received 2023-03-08
Company: Carvana Group, LLC
State: LA
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:
Dear, CFPB violations stated Below probably forgot something From XXXX XXXX XXXX Carvana did approval application XXXX XXXX-talked to XXXX XXXX he hates rights lied said he rhe owner -approved online XXXX XXXX approved XXXX XXXX - approved XXXX XXXX - approved Deceptive Trade Practices Act violations I already put in my credit application I was approved each time XXXX $ down payment like the Law states each company tried to extort me out of funds that's not required I state my consumer rights and can't finish my deal happened with each company purchased already happened have the orders and contracts gone through I'm confused i had delivery dates they let pass by I let each company know I have a family and we need a automobile for transportation to work to support our family and the economy I want my consumer rights protected sorry if I'm causing I problem with the fraud these corporations want to commit against the consumers they called and told each other I was trying to get an automobile lied about the amounts I was getting Financed, pursuant title 12 CFR 1026. And title 12 CFR 215 Truth in lending Title 15 U.S.C 1605 Determination of finance charge " the sum of all charges " payable directly or indirectly by the person the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction the finance charge shall not include fees and amounts imposed by third party closing agents means everything included in the financing charge we doing an consumer credit transaction per U.S.Code of Law even my premium Id like progressive XXXX XXXX XXXX Truth in lending Title 15 U.S.C 1605 Determination of finance charge " the sum of all charges " payable directly or indirectly by the person the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction the finance charge shall not include fees and amounts imposed by third party closing agents means everything included in the financing charge we doing an consumer credit transaction per U.S.Code of Law even my premium Id like progressive insurance if possible under the Consumer Protection Act Title 15 U.S.C 1662 no advertisements to aid directly nor indirectly installments or downpayments credit transaction failed to conduct a reasonable investigation pursuant to Federally Protected Consumer Rights notice of The violations i assert and atest single cause of action stimming fromnumerous and multiple willful, reckless or negligent violations of the FCRA ECOA TILA, and seeks actual and statutory damages pursuant to title 15 of the U.S.Cod ... against the law they made me get multiple unknown inquiries on my credit profiles after I was already approved they shopped and shipped my information illegal with my authorized nor consent pursuant titles 15 usc 1691c 15 usc 1692k 15 usc 1642 15 usc 1681m 12 Cfr 1002 12 Cfr 1002.7

Company response to consumer: Closed with explanation