Consumer complaint received 2021-03-04
Company: CarMax, Inc.
State: KS
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 XXXX I received a notification from XXXX credit monitoring that a hard credit inquiry had been run through Carmax . The vehicle purchase was not authorized due to a discrepancy in documents, but the credit inquiry remains. 

XXXX I contacted Carmax and started the fraud dispute process. I received documents that were required to be filled out and returned. This was done per their request in order to remove the credit inquiry from my credit report. Process pending. 

XX/XX/21 - I contacted the XXXX XXXX Police Department in Kansas and opened an identity fraud case with XXXX XXXX. XXXX # XXXX. 

XXXX I received a soft credit inquiry on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The sale of a new XXXX XXXX was nearly approved prior to my call. The delivery of the vehicle was stopped and the dealership aware of the identity fraud. XXXX XXXX Police Department notified the same day. 
2/8/21- Security freeze on my credit completed through XXXX , XXXX  and XXXX . 

XXXX I received notification from XXXX  of a credit inquiry from XXXX XXXX XXXX XXXX. I immediately called sales manager, XXXX. He advised that no sale had been approved as my credit was " frozen ''. XXXX XXXX Police Department updated immediately. Spoke with Detective XXXX XXXX I received a credit inquiry from XXXX XXXX XXXX . In XXXXXXXX XXXX. I immediately called the dealership and spoke with Finance Manager, XXXX XXXX. There was no sale approval due to my frozen credit. XXXX XXXX Police Department notified of attempted purchase. 

XXXX I received a credit inquiry from XXXX XXXX XXXX XXXX XXXX , MO . I called and spoke to XXXX in sales. My credit was frozen and therefore no sale or financing was approved. I was advised the suspects would be on video. I immediately called XXXX XXXX Police Department to advise of attempted financing. 

XXXX I received a phone call from the XXXX XXXX XXXX in XXXX  XXXX , MO that someone was trying to establish service for electricity at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MO. I advised this was not me and a fraud alert was placed on my account. I notified the XXXX XXXX Police Department of this activity. 

XXXX I received a credit inquiry for Carmax . I called the Carmax auto financing and let them know about my identity theft and the repeated attempt to run credit. They did not receive my original faxed documents for the fraud dispute case, I have been asked to re-fax. XXXX XXXX Police notified on XX/XX/21 to this activity under my open case file. 

XX/XX/21 I received a phone call from XXXX XXXXXXXX Police Department that they have 2 suspects in custody. I completed a police report at headquarters and was told many items, identifications and documents with my name were found in a file in an apartment that was leased in my name. I was directed to open a case with the FTC, Social Security Administration and the IRS regarding my identity theft case. Sargent XXXX, Detective XXXX XXXX and Sgt XXXX XXXX are all in frequent contact with me from the XXXX XXXX Police Department. They are collaborating with the detectives on my open case at XXXX XXXX XXXX Police Department. 

XXXX I contacted XXXX XXXX Police to update them to the apprehension of the suspects in XXXX XXXX , MO XXXX XX/XX/21. 

At this time I have not been made of any approved purchases or financing on my file. However, the hard credit inquiry from Carmax remains and 2 leases of apartments in the XXXX  XXXX, MO area were noted by the XXXX XXXX Police Dept. Details are in the possession of the XXXX Police Dept.

Company response to consumer: Closed with explanation