Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 bought a vehicle from a XXXX dealership and I have some issues with the purchase. 

XXXX XXXXXXXX XXXX XXXX Purchase Date : XX/XX/XXXX XXXX of XXXX : XXXX / XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX / XXXX XXXX : XXXX XXXX XXXX / XXXX XXXX : XXXX In the beginning, I clearly mentioned to the Sales person that my budget is below {$20000.00} and I can't afford more than that. I also informed him about another buying offer from XXXX XXXX XXXX for {$18000.00} + Sales Tax + Registration Fee and 0 % APR for 48 months. 

After the verbal agreement for {$19000.00} ( MSRP ), this XXXX dealership brought the invoice price to nearly {$30000.00}. 

MSRP : {$20000.00} SALES TAX : {$1700.00} REG. FEE : {$200.00} DOC. FEE : {$170.00} TOTAL : {$22000.00} BANK FEE : {$1000.00} ( Hidden Fee ) FINANCE CHARGE : {$6500.00} ( I never paid in my life for an Auto Loan ) NET TOTAL : {$29000.00} AUTO LOAN : XXXX APR : 9 % TERM : 72 Months The basic model of XXXXXXXX XXXX XXXXXXXX is about {$30000.00} and I have to use a key to open the door manually. In XXXX, I bought a XXXX vehicle and used a remote button to open all doors. At night time when I park the XXXX car in a dark area, I have to use a smartphone flashlight to unlock the doors. How could XXXX sell a car in the year XXXX that has the basic features of a XXXX year model for {$30000.00}? This deal is a total rip-off. I can get a XXXX XXXX for {$40000.00} and they give me a tax credit of {$7500.00}. 

Every week, I check my Credit Report. Today, my Credit Score went down from XXXX to XXXX and the following XXXX hard inquiries will stay for another 25 months. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I already sent this report to the following XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX : XXXX XXXX / XXXX Senior Vice President : XXXX Less / XXXX Vice president : XXXX XXXX / XXXX and the XXXX XXXX advised me to contact XXXX XXXX XXXX : XXXX # XXXX Monday through Friday : XXXXXXXX XXXX to XXXX XXXX XXXX Saturday : XXXX XXXX to XXXXXXXX XXXX XXXX I have filed a complaint with XXXX and they created a Case # : XXXX / XXXX XXXX XXXX - XXXX : XXXX / XXXX Monday through Friday : XXXX XXXX to XXXX XXXX XXXX I then contacted the XXXX XXXX XXXX XXXX ( XXXX ) : XXXX / ( XXXX ) XXXX Monday through Friday : XXXXXXXX XXXX to XXXX XXXX XXXX and they told me that they didnt see my Profile or Account Number for the car purchase and my Finance deal was still not finalized. They also advised me that I may have the option to return the car back to the dealership. 

This XXXX XXXX ruined my credit history and I can't get loans next 2 years because of XXXX hard inquiries in one day. They manipulated the numbers on the invoice and added hidden fees to my credit application. 

They need to fix this issue right away. 
1. The XXXX dealership has to call 3 Credit bureaus and remove XXXX hard inquiries from my credit history. 
2. They have to take the XXXX XXXX XXXX XXXX car back and void my purchase deal. 
OR Give me a new XXXX car with features like a FAST-Key Entry System, Push Button Start, Heated Front Seats & Rain Sensing Wipers . 

On XX/XX/XXXX, I met XXXX XXXX ( Finance Manager ) and explained my frustration with this car. He carefully listened to my difficulties and advised me to meet XXXX XXXX ( General Manager ). XXXX read my letter to the XXXX XXXX. He was very rude and threatened to sue me. I am the one supposed to sue them because they ruined my Credit history.

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