Consumer complaint received 2019-09-24
Company: Consumer Portfolio Services, Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a hard inquiry on my credit report from consumer porfolio services. I never authorized this company to run a credit check or report. I spoke with a dispute representative and he wanted to verify my social security number and full name. I let him know I was not comfortable giving my social security number as credit reports and social security number have a fraud alert on them and I never applied for or authorized anyone apply for their services. I asked why he could not verify my information with out my social security number. Representative said he can only verify me and verify company that did submit the application by by name and social security number. I did give this information so I coyld find out where this application came from consumer portfolio services said they received again with my authorization. I was given the name of an auto dealership that I had not been to nor have I spoken with anyone at this dealership. I did let Representative know i did not ever authorize tgis dealership to run my credit report and told him that this dealership did call me and leave a voice message several days ago but i never spoke with them and did not consent an application be sent to any lenders. Representative said that I needed to contact dealership and ask them to send a letter of deletion to Consumer portfolio services stating I did not apply at there company. I asked why I had to do this and why after identifying myself and stating to him I never authorized Consumer portfolio services or the dealership to run my credit report for an auto loan and ask for this to be removed and reported to credit bureaus that I did not authorize this. Representative said they need proof from dealership? I expalined that I am the party that is reporting to your company I never authorized this and ask for this to be removed immediately. Representative refused to note this and report back to credit bureaus this information I I stated to him. He said it doesn't matter if I tell him I did not authorize he would need a letter stating this from this dealership. This is fraud and I as the person reporting this to Consumer portfolio services who made a hard inquiry on my credit report without my consent. This is illegal as my rights as a consumer I should not have to do anything thing else other then reporting this information to Consumer portfolio services who did not have consent. I was advised by credit bureaus to report this to the company who made the hard inquiry and they need to remove this as it is considered fraud as consumer portfolio services did not have my consent. Credit bureau did say if I feel this is fraud after speaking with this company to contact them today and file a fraudulently inquiry. Credit bureau said that I only would need to contact consumer portfolio services and report I did not consent and consumer portfolio services would have a legal obligation to remove this from my report. I will send a certified letter stating the facts to Consumer portfolio services as well as credit bureaus and if this is not resolved immediately I will contact my attorney to take legal action.

Company response to consumer: Closed with explanation