Consumer complaint received 2022-04-27
Company: DriveTime
State: CA
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:
This is a follow-up complaint to a previously filed complaint. I have a hard inquiry on my report dated XX/XX/XXXX which I did not authorize, nor initiate. They claim they received information via their website to run my credit- I did not authorize anyone to use my identifiable information to apply for credit ( but at the time members of my household did have access to said information ). The company ( DT Credit ) claimed to have spoken with me on 3 separate occasions regarding this ( false ) inquiry, namely on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, so I pulled my call logs from my cell service provider, as proof that this was false and the only call that happened was on XX/XX/XXXX, when DT Credit placed an incoming call to me, where I informed them I did not apply nor want credit and the call was a mistake/they had gotten me confused with someone else ( my name is extremely common- perhaps a faulty XXXX on their part ). I thought NOTHING of it, especially since I NEVER HEARD FROM THEM AGAIN. DT Credit claims they spoke with me again ( after the initial phone contact on XX/XX/XXXX ) on XX/XX/XXXX and XX/XX/XXXX. This is a flat-out lie. I have my call logs proving the ONLY time we spoke was on the initial contact where I told them the aforementioned. On XX/XX/XXXX I had only 3 calls total, all out-going to family/friends. On XX/XX/XXXX, I did not even have a single phone call, period. I will attach that record to this claim as well as their response to my initial complaint. This is extremely egregious and nefarious behavior on their part- lying to a government agency as well as a U.S. consumer. They seem to say anything to cover themselves in the event they mistakenly let something slip through the cracks. 

They also claimed in their response letter that they have been UNABLE TO REACH ME. ANOTHER LIE. They called and wrote me an email. I responded to the email, stating I did not wish to discuss matters over the phone because I want all correspondence regarding this matter to happen in writing so that they can't change their story after the fact. DT Credit responded and said they would not be doing so due to privacy concerns and would instead respond directly to the complaint I filed with the CFPB. I will be attaching that email correspondence as well.

Now I am expanding my complaint to include the following : 1 ) I wish to know why DT Credit claims they spoke with me on 3 separate occasion in XXXX ( at my number ), when they only spoke with me once ( when I told them it wasn't me/this was a mistake ). Why lie about having spoken with me on XX/XX/XXXX and XX/XX/XXXX? 

2 ) I wish to know why DT Credit claims they were unsuccessful in reaching me to discuss this matter, when I have proof of our email correspondence to the contrary? 

3 ) Again, remove the hard inquiry from my report.

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