Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/XXXX, I agreed to purchase a XXXX  XXXX XXXX from XXXX XXXX XXXX dealership, XXXX XXXX, XXXX, TX XXXX. I was pitched a typical auto dealership pressure tactic, that I had to agree immediately to buy the XXXX because another buyer was waiting in the wing to buy the same XXXX. I believe the document I signed gave the dealership permission to run my credit report. The sales person returned with paperwork showing payment information for 52 months and 64 months. I noticed the sales price shown on the proposal was {$1000.00} higher than the vehicle 's posted sales price online. The sales person returned with a corrected sales price. I signed the sales proposal agreeing to finance the vehicle for 64 months at 7.6 % APR. I was not allowed to seek my own financing. I made it known I could get a lower APR from my credit union. With no choice available, and in fear of losing the vehicle, I signed the sales proposal. I then signed paperwork regarding the car 's VIN, dealership disclosures, mileage, etc. I was told and I agreed to return to the dealership at XXXX to sign and finalize the financing. I did not immediately sign the financing because the vehicle purchase was for my daughter. My daughter was to be included on the vehicle title. I left the dealership at about XXXX. At XXXX, my daughter called me to say the car we had agreed to purchase, had been sold. She was called by the sales person who advised the car was sold to someone for cash. The same vehicle we had agreed to finance and buy. I called the sales person and he confirmed to me that the car had been sold out from under us. I know my credit report was run. That credit report resulted in a hard hit on my credit report. I got nothing for my credit report being run. It is a known fact a hard hit on a credit report can lower one 's credit score. I asked for and received a piece of paper supposedly from XXXX showing my FICO score and a XXXX credit inquiry. The document showed my credit report was not run on Experian and XXXX. I have obtained an XXXX credit report from the FTC website. The XXXX credit report shows a hard inquiry by XXXX XXXX XXXX  ( XXXX ) dated XX/XX/XXXX. I do not do business with XXXX and have never applied for a loan at XXXX. It can logically be concluded that XXXX XXXX XXXX ran my credit through XXXX. I then obtained an Experian credit report from my XXXX credit card. This is offered as a free service by XXXX. The Experian credit report showed two ( 2 ) hard inquires from XXXX XXXX XXXX and XXXX XXXX. Both of the before mentioned credit inquires are dated XX/XX/XXXX. It can logically be concluded that XXXX XXXX XXXX ran my credit through the two before mentioned finance companies. It can logically be concluded that XXXX XXXX XXXX was untruthful in representing to me that my Experian credit report had not been run. I have been unable to access my XXXX credit report as of this date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation