Consumer complaint received 2022-10-14
Company: General Motors Financial Company, Inc.
State: TX
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:
Improper usage of sensitive and confidential information by a third party. 

On XX/XX/2022 I apply to prequalify at GM Financial webpage with their advertisement and promise of " APPLY TO PREQUALIFY. NO CREDIT IMPACT. 
Save time at the dealership by applying to prequalify with GM Financial. Its quick, easy, and won't affect your credit score. '' at https : //www.gmfinancial.com/en-us/apply.html 10 minutes later ( XXXX XXXX XXXX I get a call from the dealership, XXXX XXXX XXXX XXXX, asking about my interest in a specific car and for they offer me to get a list of vehicles available that I might like for which I told them it was not needed because I can get that from their webpage and that was the end of our phone call with the representative at XXXX XXXX XXXX XXXX. 

A few minutes later I get a message from my credit monitoring that there was a hard Inquire from XXXX XXXX XXXX XXXX so I call them back right away ( XXXX ) and ask them why they ran a hard inquiry on my credit without my authorization for which the salesperson says she will transfer the phone call to her manager. 

The manager, XXXX is his name, answer the phone and he was a bit sarcastic and rude at the beginning trying to minimize the situation and mentioning that they did NOT run my credit but emphasized in the color of the car I wanted instead of the real issue which it was the unauthorized use of my personal information. he stated that they didn't run my credit that it was GM Financial and that I should call them instead which I did. 

XXXX GM Financial stated they didn't run the hard inquiry but it was XXXX XXXX XXXX XXXX XXXX I must mention that the operator at GM Financial XXXX XXXX XXXX, was very unprofessional with a very noticeable lack of experience from the beginning she said they did not do the hard inquiry but she didn't know who would. However, she stated the information was provided by GM Financial to XXXX XXXX XXXX XXXXXXXX and that I should contact the credit bureau and XXXX XXXX but in the end it was my responsibility for applying at GM Financial. Final answer it was that there was no solution to the issue and for such she couldn't help. 

XXXX I called back to the dealership ( XXXX ) and the manager XXXX answered for which once again he was very sarcastic by asking when would I be stopping to pick a car ; him knowing the issue we have is something else. He mentioned that they did not run my credit and it was not their problem it was GM Financial problem and that there is nothing he can do. I insisted that the dealership name is on my credit report without my authorization and he responded almost screaming " Who filled up the form. you or me? from that point on he went into a rant which my wife was listening to on the car speaker as it was happening and then he hang up on me. 

My wife started crying and she was very disappointed at the manager 's rude, violent & unprofessional service. 

Once again, I did not authorize GM Financial nor XXXX XXXX XXXX XXXXXXXX to run a hard inquiry on my credit. They abused and shared personal & sensitive information to used and abused by a third party ( XXXX XXXX XXXX XXXX ) As a client, we don't reserve that type of treatment or abuse of my information. As a client, we don't deserve to be treated like a fool either. 

The credit report states XXXX XXXX XXXX  XXXX did a hard inquiry on me without verbal or written authorization.

Company response to consumer: Closed with explanation