Consumer complaint received 2018-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to the dealership on XX/XX/XXXX between the hours of XXXX XXXX until XXXX XXXX and left without the {$40000.00} car that I thought I was going to purchase. I met with the salesperson XXXX upon arrival and we test drove the XXXX XXXX XXXX. We then went into the showroom and started talking numbers. I informed him that I had a pre-approval from XXXX XXXX XXXX with a great rate and I needed was to provide XXXX XXXX XXXX with the purchase agreement and a copy of the XXXX XXXX certificate that I have previously obtained before coming to the dealership. Then thats when things started to fall apart, the finance guy ( not sure of his name ) came over and we talked and he suggested that we run the numbers and I said sure, which I had a pretty good idea of how much the car was goingto cost. Mr. XXXX and XXXX both stated that I needed to fill out a credit application and I stated for what. I was informed that a credit application needed to be on file legally for me to purchase the car. I stated that XXXX had already approved my loan and all they needed to do was finish up the paperwork and provide me with a purchase agreement so I can send it to XXXX. So Mr. XXXX left and went to his office to call XXXX and asked about my loan with them. He then came back out and asked if I had an actual letter stating if I had a loan and I told him I had an email and he asked to see it. So Mr. XXXX had a copy of the email from XXXX with the loan approval and the XXXX XXXX certificate so he was well aware of how this process was to work. While waiting for Mr. XXXX I was checking my email and started seeing alerts from Experian stating that I had changes to my credit report and when I check it was 3 inquires from XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX. I told XXXX I was unhappy and why did they do this after I told them not too. He then went to go and talk to Mr. XXXX about this issues. By this time Mr. XXXX came over and we had a nice conversation about why Mr. XXXX ran my credit. Mr. XXXX explain to me it might have been a misunderstanding about the documents and our conversation. I explain to him that Mr. XXXX had a copy of the emails so he was well aware that I had a loan already and just need for XXXX to finalized the documents and so I could send to XXXX. So why he ran my credit is unacceptable especially after I told him not too. I had already told him I was happy with the rate I got and please don't try and explain to me about car shopping and thats it okay to have multiple inquiries on your credit report when you are car shopping because this is not true. My credit score dropped tremendously when I was purchasing a car through XXXX in XXXX back in XX/XX/XXXX. I even called TransUnion and inquired about multiple inquires and how it effects your credit score. I even received a letter from Mr. XXXX before leaving the dealership apologizing for the misunderstanding and that he would ensure that the inquires were removed from my credit report. After numerous emails to Mr. XXXX and the General Manager of XXXX as of XX/XX/XXXX this issue has still not be resolved and I have not hear from XXXX since XX/XX/XXXX. I believe I gave them ample enough time to take of of situation and they have failed to do so. XXXX the salesman also order touch paint for my vehicle on the day the I took delivery of the vehicle and of course I still have not received that as well.

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