Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2022 I was looking to buy a car from XXXX XXXX XXXX XXXX. I had already had a pre-approval through my bank XXXX XXXX. I was told all I had to do was give the dealership my reference number from my pre-approval and everything should go smoothly. For the car I was buying Sales XXXX XXXX XXXX assisting me and I told him that everything is all set and ready to go all he had to do was call XXXX XXXX and give them my reference number and I told him I was approved for up to {$47000.00}. He asked me to file out the application I said okay but please only send to XXXX XXXX Only. He asked if it was possible that they could get me a better deal was okay and I told him no I only wanted my credit ran through my bank since I am already pre-approved. My mother was in attendance on the call and heard me say that. I also have text messages and email to back this up. Later that day XXXX XXXX XXXX gave me a call stating they where still trying to work things out with XXXX  XXXX and I asked for clarification and what they approved me for and all he replied was well thats what I am working on. Then hung the phone up after. The very next day I wake up to credit alerts from XXXX XXXX stating that my credit in total have been pulled more then XXXX times from different lenders I never asked for loans from. I called back up to XXXX and sent a email stating I would like to know what on Earth happened as I did not authorize or approved them to reach out to these other lenders. I only want to use XXXX XXXX. Once I finally got in contact with XXXX XXXX XXXX he begin to talk to me rude and down on me stating Well Capital One said they will not approve you for {$47000.00}. I asked well what did they approve me for and he told me {$40000.00} and well if you want the car, youll have to put XXXX down. Do you have XXXX to put down?. I was actually trading in my current car and the value of that car is {$8500.00} which would have more the cover the difference, but I was never offered that option. I ignored his comment and asked why do you have my credit pulled with other lenders I never gave you permission to send to and he said well you werent approved with XXXX XXXX. So I called XXXX XXXX and spoke with them and I turns out XXXX never used my reference number and just sent XXXX  XXXX a new application instead. They denied the new application because I was already approved for XXXX. When I called the other lenders to get them to dispute their inquiries and file a complaint about XXXX I was told I would have to call back the dealership since they are the ones that requested it. I called XXXX XXXX XXXX and told him I have proof and a paper trail that I never asked him to send my information to those other lenders he said no we can not do that its already done oh well. On XX/XX/2022 XXXX XXXX had called me asking if I will take down my XXXX and XXXX reviews once I stated that I will not be removing them he began yelling out me and called me a liar, and said that my reviews arent true. He then hung up the phone in my face. All I am wanting is for those unauthorized inquiries to be disputed and removed from my credit reports.

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