Consumer complaint received 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX at approximately XXXX my girlfriend and I went into the XXXX XXXX of XXXX dealership to purchase a used vehicle ( XXXX XXXX XXXX ) for myself. The car salesman and I agreed on a price and I signed the document stating {$36000.00} + {$590.00} dealer handling fee + local state taxes which amounted to {$39000.00} according to them. Upon providing the sales consultant my XXXX XXXX XXXX XXXX already financed check, which I qualified up to {$47000.00}, he walked away and then got on his cell phone to speak with someone. He came back to his desk and said that unfortunately they are not able to do the deal unless they get {$500.00} more because it wasn't going to work. I asked why and he said it was because they were not going to make any money. I was upset because I knew the only reason why he did this was because he saw that I had qualified for more than what he offered the vehicle for. My girlfriend and I got up and decided to leave. He then stopped us and after 10 minutes of going back and forth and him getting back on his cell to speak with someone, he said he can make the deal work without the extra {$500.00} because we were walking away. 
He then made me sign a paper that said, " Credit check ''. I specifically told him " I do not want my credit to be run since I already have financing in place with my local bank ". He said " oh, it is because we need to make sure no one we sell to is a XXXX and we will not run your credit. We are only doing a background check ''. I signed the document and then after a few minutes he walked me into the finance office to speak with that person to finalize the deal. The finance person then said, " your credit is XXXX which is pretty good '. I said, " why did you guys run my credit when I told you not to ''. He said, " we have to do it to make sure individuals are not on the XXXX list ''. I was extremely upset but he was very pushy and asked how much interest rate did I get from XXXX XXXX and I had refused to tell him. He said, " I can get you XXXX % ''. Then I said, " wow, XXXX XXXX  is giving me XXXX % ". Then he hastily said oh, never mind, I only can get you 4.99 % because it was for another car. I told him I'm walking away and took my check and decided to leave because he wanted to increase his percentage not give me the original XXXX after he found out XXXX XXXX was giving me a higher percentage. After walking away and about to drive off, he ran out the door and said, " wait, I can get you the XXXX % now ''. I he said he miss spoke and that it is for the vehicle. I walked back in and completed the application at XXXX % then took the car home. 

On XX/XX/XXXX, at approximately XXXX the finance guy called back and said they will need an extra {$5000.00} down to make the deal work even though I had perfect credit. I said, " this is the third-time you guys have been trying to do shady business with me ". He said, " oh, its XXXX XXXX   because I have been paying cash for everything ". After work I took the car back and dropped off the keys and complained that they should not " do this bait and switch and running peoples credit without their consistent and using it as a case to see what people can afford ". Now I have a hard pull on my credit and no vehicle. They wanted me to come back and just use my own financing but I refused. This place is a total scam while calling people XXXX to try and pull their credit and I'm an XXXX XXXX XXXX.

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