Consumer complaint received 2018-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hello, I saw a posting for a vehicle though the website called XXXX ( XXXX XXXX XXXX ), which was listed as being available at a location in " XXXX '', in Massachusetts. When I contacted them through the website that the car was listed, on XXXX, the person who responded to my personal email, whose name is XXXX XXXX ( his email signature states that he is from " XXXX XXXX XXXXXXXX '', which doesn't match the company that he works at, where we went to go see the XXXX XXXX at, named XXXX 'XXXX XXXX XXXX XXXX XXXX ), they said it was available, so I went to visit and see the car on XX/XX/XXXX ( on Tuesday ). I went to the location stated on the posting on XXXX, and it was stated as being " XXXX XXXX, XXXX, MA '', with no number address. When I called the number on the email that was sent to me in response to the ad, from XXXX, he told me their address then, and it was at XXXX XXXX XXXX, XXXX, MA. Then, the cars that they sell are actually at a different location, in XXXX, MA. 

When I saw the listing on XXXX, the listing stated that there were 2 owners and that the VIN number of the car was XXXX, and I made a copy of the VIN so that I could have a look later. When I went to go see the car, he said that the posting stated as being 2 owners because, " when we bought the car from the previous owner, they state that we are the second owner because we took possession of it. '' I thought that was odd, but I thought I would consider the car further. The vehicle looked damaged with scrapes and scratches, stains in the car, and the upholstery of the back seat looked replaced and still dirty. 

Regardless, we went inside to continue to discuss pricing, etc. I asked for a contract and some paperwork, and XXXX stated " We don't need a contract ; your word means more to me than a contract. '' I didn't like that, and I had looked around for a loan previously, so I said that if they could look for a better loan rate for me, I may consider financing from them, so my husband and I signed up to have them check to see the loan rates. The person that he stated is their person in XXXX ( called XXXX XXXX XXXX ) was named XXXX and he would be off on Wednesday, XX/XX/XXXX, and they wouldn't run my credit until he got back to his office on Thursday, XX/XX/XXXX. Therefore, on XX/XX/XXXX, at around XXXX I left the auto sales place in XXXX, and it was called XXXX XXXX XXXX XXXX XXXX XXXX, after signing the loan request, with my husband. 

The next morning, on Wednesday, XX/XX/XXXX, I messaged XXXX again through text ( I have proof of it and copies of the email ), asking him for the XXXX for the car that I saw, and he said he would. While I was waiting for the XXXX, I decided to see what I could find on XXXX before I received the one XXXX sent me, and when I typed in the one from the XXXX posting for the car that I went to go see ( the VIN number written above ), the XXXX page stated that the vehicle mentioned had 19 reports on it ( reports on accidents, mileage tampering, damage reports, etc. ), which I thought was quite so much for " only one previous owner '' as XXXX stated. 

I then received the email from XXXX for the " XXXX for the XXXX you saw '', and I checked the VIN on the XXXX that XXXX sent me, and the VIN was XXXX, which did NOT match the VIN that was on the XXXX   posting. When I went back onto the XXXX ' page that had the car listed, the post was removed. I thought that was weird and odd, since I had not purchased the vehicle yet, and the vehicle was still available. Luckily, I had copied the VIN previous to seeing the car and leaving the XXXX XXXX XXXX XXXX XXXX XXXX ( through my phone 's clipboard as well ). I then told XXXX, through text ( I still have the text messages ) that I would like to cancel the inquiry for the loan that my husband and I signed as I couldn't afford the car and I wouldn't be able to purchase it or go see XXXX on that Thursday ( by that point, I had rescheduled the time to go see XXXX in XXXX to Saturday, to discuss the loan rate options that they may have ). I had messaged XXXX that message to cancel the loan inquiry/credit run, on Wednesday, XX/XX/XXXX, on the day that XXXX stated that XXXX wasn't in the office, and XXXX said in the text that he would cancel the request and contact XXXX to ask him to stop the inquiry. 

I then asked XXXX if I could go by the XXXX XXXX XXXX XXXX XXXX XXXX to pick up the original Loan Inquiry that my husband and I signed, to make sure they didn't run mine and my husband 's credit for any loan inquiries, and I did. I still have the original copy of the paperwork that my husband and I signed ( one page ). I left them, assured that the loan inquiry was cancelled and we wouldn't have our credit checked or run. 

I received a message through my email that there was a Hard Inquiry on my credit report, causing a drop in my credit score through my TransUnion report, and it was from..guess who? Luxautoparts. This email was sent to me on Friday, XX/XX/XXXX, AFTER I asked them not to run my credit and to cancel the inquiry numerous times. They are the people in XXXX, who we asked, through XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, not to run our credit. I contacted XXXX again through the phone, and asked him calmly why the credit was run. XXXX got very defensive, got upset, and said, " I don't know what you want from me! I did everything you wanted! You wanted me to send over the information and I sent it before you told me you wanted to cancel it!. I will ask, but I can't guarantee they will cancel the loan credit check '' I asked him to please ask XXXX or whoever ran my credit to void or take back the inquiry. He said he was try but wasn't guaranteeing anything and if anything changes, he would call me back. He hasn't called me back, and now my credit score has dropped, after I told them not to do it. I am rather upset, and I want XXXX 's XXXX XXXX XXXX XXXX, as well as XXXX XXXX XXXX to be reprimanded fro their mistake and lack of honesty. 

They have fraudulently sent me false information ( like the non-matching XXXX   information ), have stated false information, and they have attempted to remove their evidence by also removing the XXXX post that I contacted them through in regards to their listed XXXX XXXX My credit has dropped, and I am very disappointed in regards to XXXX XXXX aggressive tone to me over the phone, the fact that I was provided with a XXXX ( which I still have ) with a VIN that did not match the car posting on XXXX, and I am upset that my credit was run after I was confirmed that it would not be, through text, and after I went and retrieved the loan request that my husband and I signed.

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