Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX Stopped in to XXXX XXXX XXXX with my brother to look at a used XXXX XXXX. Test drove car to determine if it was something I was interested in. Spoke with Sales person XXXX and informed him that I would like to scan the car with my OBDII reader to check the status of the batteries as the vehicle is a hybrid and 9 years old. I did not have this with me and informed him I wouldn't be able to do this until Thursday XX/XX/23 at the soonest. Discussed potential discount for financing vehicle. Informed him that I would be willing to speak with the finance manager if rates were low, but did not want any hard inquiries at this time. Provided information for a pre-qualification after confirming no hard inquiries would be made unless I agreed to something after speaking to the finance manager with my brother present to witness this. Was assured directly no inquiry would be made unless I had decided to move forward on the vehicle and had spoken to the finance manager to see if there were even a chance of a rate low enough to consider with an extremely short term as I planned to trade the vehicle should a new one come back in stock. He then offered me the option to put a deposit on the vehicle and take it home as an extended test drive, which I declined again saying I wasn't sure if I was even interested until I had looked at the batteries. 

XXXX I received a voicemail from the finance manager XXXX XXXX requesting information to title the vehicle I had looked at the previous day. I attempted to call the finance manager XXXX back at the number in her voicemail but it simply rang and dropped the call. I called the front desk and was transferred but it rang and dropped the call. I called the front desk again and was informed she was in a meeting at the time and requested a call back. I received an SMS message from the salesperson XXXX, and called him stating I needed to speak with XXXX regarding her message as I was not certain why I would need to provide titling information. I noticed a hard inquiry had appeared on my report. Later a second hard inquiry from XXXX XXXX appeared on my report. I never signed off on an approval to perform these inquiries. 

XXXX I called and spoke with XXXX the finance manager. She was under the impression I was picking up the vehicle on Thursday and intended to finance it. I explained to her that this was not the case, and I was not even certain I was interested as i had not yet even checked the batteries. I was informed that what has been done is done, and that she would see what she could do. 

XXXX I received a call from the salesperson XXXX inquiring when I was going come in for the car. I informed him that I was not interested in anything until the hard inquiries I had been quite clear I did not want had been addressed and I was waiting on a return call from the finance manager XXXX. I called XXXXXXXX XXXX  and was informed they could do nothing without the entity that requested the inquiry asking to remove it. I called TransUnion to investigate next steps to dispute the hard inquiries XXXX As of the time of submission I have received no further communication from anyone at the dealership. I have not returned to further inspect the vehicle, and have no intention to purchase it after the situation thus far. I have opted to report the incident to CFPB in hopes of a response from the dealership and action to remove the inquiries. I attempted to call for assistance submitting this complaint, but was informed that having already registered online I would be unable to verify my identity as I already exist. Speaking with the representative, we concluded the most appropriate categories for the complaint to be those used.

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