Consumer complaint received 2021-06-09
Company: Conn's, 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: Reporting company used your report improperly

Complaint:
I was online looking at something, put my phone down to go do something, when I picked the phone up there was a pop up of Conns XXXX XXXXIt stated on the ad that pre qualify now with no impact to your score to see your options.i thought no impact to my score to see where I stood on my credit, so i push the get started icon answered some questions and banner came up that states I've been approved for {$5000.00} instore credit to start shopping now I thought to myself not too bad but I wasnt interested just wanted to see Woke up next morning and checked my email and it stated is this new inquiry yours I went to where I check my scores and I be dammed if my score didnt drop 6 points and it was from Conns I called them a guy answers I mentioned to him that your ad lied and he said sorry about that and immediately asked if I seen anything I was interested in to purchase i said i want the inquiry removed he said that he would transfer me over to the person that handles that and he did the phone rang about 8 times i hung up The next day tried again same guy answered told him that no one answered yesterday when he transferred me said sorry about that and tried again this time a lady answered i explained about the ad she took my information and said there you are you've been approved for XXXX dollars I said no thank you that I'm not going to do buisness with anyone that lies to me, she said I'm sorry to hear that she said you do know I'll have to delete your account for that inquiry to come off I said that's fine and thought for a second what account I didnt set up no account, i didnt even get to see any options that the ad states clear as day I told my self dont say nothing it's getting the inquiry off she said itl take a month to come off I said a month why not by tomorrow morning it was put on my report that fast why not come off that fast She said that's how their system works. I said fine, bye and thought nothing else about it until I started getting emails for their sale ads, I went online to their company complain site and yes they have a site for complaints, filled a complaint havnt heard anything back well the emails kept coming in and I be dammed if I didnt get a phone call about a leasing program I said I wasnt interested a few more days go by and I get a letter in the mail saying after careful consideration that they wasnt able to give me credit but I could get into a lease program. 
I'm thinking they are messing with me doing this to mess with me I went to my email and clicking on one 15 emails looking for contact us after scrolling around and a few buttons later I was able to send a message I told them that they are harassing me to not send me nothing else not to contact me through email or by phone or mail that I wasnt doing buisness with anyone being I was lied to The emails keep coming in and it was may the fourth when this started on the 5th they searched my credit report needless to say the inquiry is still on my report and after sending a complaint to them and an email I'd at least get some kind of reply or get that dang inquiry off and nothing the only I'm getting from them is constant adds I've filed a complaint with FTC now CFPB, next my Attorney General in Texas and going to seek legal counseling this is so time consuming This is to the CFPB I didnt want my age on there I tried deleting it 3 times and it still wouldn't

Company response to consumer: Closed with explanation