Consumer complaint received 2022-03-02
Company: General Motors Financial Company, Inc.
State: GA
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:
I contacted XXXX XXXX to make the XXXX XXXX XXXX aware of the fraudulent issues with his sales representatives. On XX/XX/XXXX, I applied to GM for vehicle approval. I received a pre-Qual decision ( See attached ). I then received a call from XXXX, then XXXX, then XXXX ( XXXX XXXX ). I provided XXXX with the Stock number ID : XXXX the vehicle I sought ( See attachment ), I informed XXXX that I was looking to replace my current XXXX XXXX Envision that was purchased in XXXX due to the dealership Fraud, transmission issues, waiting on parts for light, and other issues presenting with the vehicle. 

Shortly afterward, XXXX sent me several text messages regarding the vehicle 's trade-in and pay-off ( See attachment ). Then XXXX called and stated that he was from GM and that I had a fraud alert on my credit file. I became frustrated with XXXX, and the calls were coming back to back while I was at work. 

I never applied for other funding sources besides GM. Therefore I should not have received various credit inquiries stating otherwise from XXXX, XXXX, XXXX, and GM. I never authorized anyone to pull my credit other than GM ; therefore, please provide me a signed application that I completed electronically, with the IP address. If NOT, THEN I PRAY THAT THE INFORMATION OBTAINED BE REMOVED IMMEDIATELY AND CREDIT INQUIRIES REMOVED WITHIN 24 HOURS before I FILE ANOTHER COMPLAINT about the DEALERSHIP FRAUD with the FTC and CFPB. 

Furthermore, the vehicle price online and the quoted price were completely different in numbers, another part of dealership auto fraud. ( See price below and compare to the numbers provided in attached ) almost $ 10K more than the price advertised Per Georgia Fair Business Practices Act If you think that you have been a victim of unfair or illegal practices by a Georgia Auto dealer during the purchase or attempted purchase of a new or used vehicle, contact a Georgia Consumer Protection Attorney for a free case consultation. 

The " Georgia Fair Business Practices Act of 1975, '' O.C.G.A. Section 10-1-390 et seq., is the primary consumer protection law of Georgia. This Georgia consumer protection Act regulates unfair or deceptive practices in consumer transactions in Georgia which are defined as transactions for personal, family, or household purposes. The Act also regulates health club memberships, final going out of business sales, telemarketing, multilevel marketing opportunities, campground memberships, and certain promotional activities. The Act authorizes private citizens in Georgia to sue for violations in certain circumstances. 

GEORGIA FAIR BUSINESS PRACTICES ACT, TITLE 10. COMMERCE AND TRADE CHAPTER 1. SELLING AND OTHER TRADE PRACTICES ARTICLE 15. DECEPTIVE OR UNFAIR PRACTICES PART 2. FAIR BUSINESS PRACTICES ACT Prohibited activities under the Georgia Fair Business Practices Act include, but are not limited to the following ; 1. Passing off goods or services as those of another seller or manufacturer.

2. Selling goods come from a particular place or country as goods from a different place country ; they were manufactured in China yet the consumer is told they were manufactured in the USA or Italy. 
3. Representing used goods, including vehicles, as new when they are not.

4. False claims referring to the particular quality or grade of an advertised product, or selling the products stating they are a certain style or model ( example : selling a car with a low-grade radio, when the standard is a brand name manufacturer ).

5. False or misleading statements about another business or its products or services.

6. Advertising goods or services without having enough on hand to meet expected demand ( unless the ad says that supply is limited ), or with false intent ( bait and switch ) to bring the consumer into the store or dealership when in fact, the product or vehicle is not available exactly as advertised.

7. Misleading statements or false claims should not be used in advertising a sale or special promotional event, i.e. " On sale today only, for the low price of {$100.00} '', when in fact this offer has been good for a month. 

Dealer Price {$41000.00} XXXX XXXX XXXX XXXX XXXX Miles away XXXX : XXXX Stock ID : XXXX After reaching out to XXXX XXXX via email, he then sent an email not addressing the FRAUD perpetrated by his staff. Furthermore, I have my vehicle serviced at this location and waiting on parts and currently have my XXXX XXXX XXXX that was escalated to go to my Preferred Dealer at XXXX, however, I will have to file a Police Report in XXXX XXXX based on the response from XXXX XXXX. XXXX, does not have a right to cause injury upon me and I notify him of his wrongdoings and provide a no contact while my car is currently being serviced at XXXX XXXX XXXX XXXX. Case [ XXXX ], Status update for your XXXX XXXX XXXX concern. A discrimination complaint will follow as well. 


XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX ( 22 hours ago ) to me To whom it may concern : Youve sent personal and confidential dealership information to another dealership. I will have no further communication directly with you other than this email. If you wish to retain an attorney they may contact me directly and I will provide them with information of our counsel. This is your official notice of no contact to either myself or any employee of XXXX XXXX from this point on, either via in-person, email, text, or phone. Thank you. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX l XXXX l XXXX  l XXXX o : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation