Consumer complaint received 2018-07-26
Company: CORELOGIC INC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2018 my Husband and I were approved for an auto loan with XXXX XXXX for {$31000.00}. On XX/XX/2018 my Husband and I ( with the check ) went to XXXX XXXX to purchase a vehicle. That day we picked the vehicle out and gave the XXXX dealership the check. Immediately XXXX was insisting we should get the auto loan through their financing company over XXXX XXXX. My Husband and I incessantly stated we did not want a loan through XXXX. They stated several times they could offer us a better deal. We straightforwardly told them we dont care what the deal and were not interested in their financing. We explained we are trying to establish a financial relationship with XXXX XXXX as we hope to buy a home in the coming years so building the history with XXXX XXXX is our number one goal. I also told XXXX I have taken out 3 major loans ( 2 car loans [ XXXX $ XXXX and now XXXX XXXX $ XXXX ] and one retail loan [ XXXXXXXX XXXX $ XXXX ] ) in the last 7-9 months and I do NOT want another hard inquiry on my credit. Again stating we will only be doing business with XXXX XXXX for a car loan. After several times explaining this they finally moved on and continued the process of buying the car. For tags, title, and insurance I filled out a document that required my drivers license ID number, address, and social security number. After 2 hours we are finally in the Sales Managers office, XXXX, signing the check. XXXX, the Sales Manager, left the office to make copies and retrieve some warranty paperwork. While XXXX was gone I noticed a folder on the table in front of me with my name on it. I opened the folder and at the very top of the pile was a credit report with my name and social security number on it. The file stated I had a XXXX credit score. When the Sales Manager returned I immediately asked him Did you pull my credit?. He reassured me he didnt pull my credit but that its customary to retrieve some information regarding my credit. He stated again this is nothing that is going to appear on your credit as my Husband and I did not apply for any loan through XXXX. The following day I received an alert from XXXX XXXX telling me a company by the name of XXXX pulled my credit. I personally called XXXX and asked them if they pulled my credit through a company called XXXX. They told me if XXXX had pulled my credit it would have shown up on my credit report as XXXX pulling it. I then called XXXX on XX/XX/2018 and requested the name of the company who authorized the credit to be pulled. XXXX stated they provide their services with XXXX. I explained my case to XXXX. They asked me to solve this issue with XXXX. I explained XXXX has told me several times they didnt pull my credit so Im not getting anything resolved with them. I asked XXXX if I could file a dispute through them as Im a unhappy customer who DID NOT authorized my credit to be pulled by XXXX. XXXX supposedly open a fraud case and would be notifying XXXX of my complaint. 
On XX/XX/2018 I called XXXX and spoke to the General Manager, XXXX. XXXX apologized that I am unhappy with my credit being pulled and didnt see an application completed by myself or my Husband. She stated she would talk with the Sales Manager, XXXX and get to the bottom of this. I then received a call from XXXX where he told me I did not pull your credit as I told you to your face when you asked me. He then said someone in the office must have pulled my credit. I asked him what will he do to assist me with getting this off my credit score. He told me there is nothing he can do. He then went on to say they will hold a training on this with the employees but he does not know who pulled my credit. 

I am profusely upset on the way Ive been treated. XXXX received payment in full of $ XXXX ( $ XXXX from the XXXX XXXX Check provided that day we left with the car ) and then $ XXXX on our credit card. They received full payment and pulled my credit without authorization. Now my credit score and family will suffer but XXXX is paid and they get to get closer to their quotas of how many applications/credit pulls they get in the month of XXXX. Being told the Sales Manager didnt pull my credit but SOMEONE in the office did is not comforting to a customer who is now in debt $ XXXX and a car I dont even want anymore from XXXX as they have people who lie and mistreat customers.

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