Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
On Saturday, XX/XX/XXXX my daughter, husband and I visited the XXXX XXXX of XXXX, XXXX XXXX XXXX My daughter had visited XXXX XXXX of XXXX, XXXX XXXX XXXX  on Friday, XX/XX/XXXX she worked with salesperson name " XXXX ''. When I met salesperson " XXXX '' Saturday, XX/XX/XXXX I was very clear with what I wanted ( a used American vehicle ; nothing but American made ) ; how much I planed to spend ( no more than {$14.00}, XXXX {$17000.00} the max ) ; how much I wanted the monthly note ( $ XXXX {$350.00} ) the max. When my daughter called me on Friday, XX/XX/XXXX for a loan down payment of {$3000.00} I was very clear than on the phone and my position did not change by Saturday, XX/XX/XXXX in person. I told XXXX I was putting {$3000.00} down nothing more. We went on the lot where the used cars where kept, we walked around and found XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX miles VIN # : XXXX ; Stock # : XXXX ; Price {$17000.00} I tested drove the vehicle. When my daughter, husband and I returned to the lot we sat down with XXXX answer the questions and gave him information that was required for purchasing a vehicle. XXXX kept going in a office and returning to us with an increase of monthly payment ( before we went outside on the lot he said my daughter could get any car on the lot with {$3000.00} down ). I had told XXXX when I enter that I did not have a whole lot of time to spend in the office and don't play games trying to get the car note above the amount I said I was spending. We spent four ( 4 ) hours in that dealership waiting on the bank to approve the loan. I had a XXXX meeting which I told XXXX earlier in my visit I became irritated because XXXX leave for 45 minutes or more and returned with some ridiculous price and go back in the office, I could see him enter and exiting this office. What caused me to cancel the whole deal is when XXXX sent the used cars manager tall dark skin man who sat down in front of us and asked if my daughter could pay {$490.00} dollars a month. I yelled, " NO ''! Didn't I tell you no more than {$350.00}? I told XXXX I wanted the payment at least $ 290 monthly. I was so frustrated and angry because XXXX wasted my time when I told him not to waste my time, I had to make calls for someone else to chair my meeting. I failed to get the used car manager name because of my anger and I told him ( used car manager ) CANCEL THE WHOLE DEAL! I DO NOT WANT ANY VEHICLE FROM HERE. CANCEL THE WHOLE DEAL! I told my husband to give me the keys I was not sitting in there looking at him ( meaning the used car manager ) if they want to look at him they could continue to sit!!! My husband and daughter slowing peeled their behinds from the chairs I guess from the embarrassment from all the yelling I was doing, we left the property. I received a phone called from XXXX on Wednesday, XX/XX/XXXX we did our salutations XXXX said he was checking if we had found anything? I replied, " Yes, I'm riding in it right now. '' XXXX asked what did she ( my daughter ) find I told him other small talked was said and we disconnect. My daughter and I went to my credit union with the paperwork from another dealership we went to on Sunday, XX/XX/XXXX in Virginia and the vehicle we actually purchased was less miles and cheaper we was in the office for two and a half ( 2.5 ) hours, my credit union sent a check to the Virginia car dealership and now we make payment thru my credit union. Allowed me to add that XXXX XXXX of XXXX, XXXX XXXXXXXX XXXX cars are over priced and the saleperson 's XXXX and the used car manager are crooks, liars and theives. Since my visit with XXXX XXXX of XXXX, XXXX XXXX XXXX my daughter and I has been receiving denial letters from different banks. This one letter is nothing but FRUAD! I NEVER SHOP FOR ANY VEHICLE ON XXXX XXXX of XXXX, XXXX XXXX XXXX LOT FOR {$26000.00}. We never looked at any vehicle at that price range. Plus I TOLD XXXX XXXX of XXXX, XXXX XXXX XXXX to CANCEL ALL DEALS! I said, " CANCEL ALL DEALS! '' more than three ( 3 ) or four ( 4 ) times on Saturday, XX/XX/XXXX. When I spoke with XXXX on Wednesday, XX/XX/XXXX I told him why I CANCEL ALL DEALS. Even when we disconnect on the phone on Wednesday, XX/XX/XXXX XXXX was very aware that I CANCEL ALL DEALS! He was not happy because I told him that he wasted my time and his, I also said, to XXXX he could have heard cow bells if he wasn't trying to be greedy. Cow bells is what they shack when a vehicle get sold. I heard cow bells maybe twice while wasting my time. Once I began receiving the denial letters I called the bank on one of the letters and I was told to called the dealership and explained what I just said on this compliant and the dealership can contact the bank that's the only way to correct my credit score. I have worked really hard trying to clean my credit and I am not going to allowed XXXX XXXX of XXXX, XXXX XXXX XXXX  to purposely with intent damage my credit because I did not purchase a vehicle with XXXX the salesperson. I spoke with On Saturday, XX/XX/XXXX my daughter, husband and I visited the XXXX XXXX of XXXX, XXXX XXXX XXXX My daughter had visited XXXX XXXX of XXXXXXXX XXXX XXXX XXXX on Friday, XX/XX/XXXX she worked with salesperson name " XXXX ''. When I met salesperson " XXXX '' Saturday, XX/XX/XXXX I was very clear with what I wanted ( a used American vehicle ; nothing but American made ) ; how much I planed to spend ( no more than {$14.00}, XXXX {$17000.00} the max ) ; how much I wanted the monthly note ( $ XXXX {$350.00} ) the max. When my daughter called me on Friday, XX/XX/XXXX for a loan down payment of {$3000.00} I was very clear than on the phone and my position did not change by Saturday, XX/XX/XXXX in person. I told XXXX I was putting {$3000.00} down nothing more. We went on the lot where the used cars where kept, we walked around and found XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX miles VIN # : XXXX ; Stock # : XXXX ; Price {$17000.00} I tested drove the vehicle. When my daughter, husband and I returned to the lot we sat down with XXXX answer the questions and gave him information that was required for purchasing a vehicle. XXXX kept going in a office and returning to us with an increase of monthly payment ( before we went outside on the lot he said my daughter could get any car on the lot with {$3000.00} down ). I had told XXXX when I enter that I did not have a whole lot of time to spend in the office and don't play games trying to get the car note above the amount I said I was spending. We spent four ( 4 ) hours in that dealership waiting on the bank to approve the loan. I had a XXXX meeting which I told XXXX earlier in my visit I became irritated because XXXX leave for 45 minutes or more and returned with some ridiculous price and go back in the office, I could see him enter and exiting this office. What caused me to cancel the whole deal is when XXXX sent the used cars manager tall dark skin man who sat down in front of us and asked if my daughter could pay {$490.00} dollars a month. I yelled, " NO ''! Didn't I tell you no more than {$350.00}? I told XXXX I wanted the payment at least $ 290 monthly. I was so frustrated and angry because XXXX wasted my time when I told him not to waste my time, I had to make calls for someone else to chair my meeting. I failed to get the used car manager name because of my anger and I told him ( used car manager ) CANCEL THE WHOLE DEAL! I DO NOT WANT ANY VEHICLE FROM HERE. CANCEL THE WHOLE DEAL! I told my husband to give me the keys I was not sitting in there looking at him ( meaning the used car manager ) if they want to look at him they could continue to sit!!! My husband and daughter slowing peeled their behinds from the chairs I guess from the embarrassment from all the yelling I was doing, we left the property. I received a phone called from XXXX on Wednesday, XX/XX/XXXX we did our salutations XXXX said he was checking if we had found anything? I replied, " Yes, I'm riding in it right now. '' XXXX asked what did she ( my daughter ) find I told him other small talked was said and we disconnect. My daughter and I went to my credit union with the paperwork from another dealership we went to on Sunday, XX/XX/XXXX in Virginia and the vehicle we actually purchased was less miles and cheaper we was in the office for two and a half ( 2.5 ) hours, my credit union sent a check to the Virginia car dealership and now we make payment thru my credit union. Allowed me to add that XXXX XXXX of XXXX, XXXX XXXX XXXXXXXX cars are over priced and the saleperson 's XXXX and the used car manager are crooks, liars and theives. Since my visit with XXXX XXXX of XXXXXXXX XXXX XXXX XXXX my daughter and I has been receiving denial letters from different banks. This one letter is nothing but FRUAD! I NEVER SHOP FOR ANY VEHICLE ON XXXX XXXX of XXXXXXXX XXXX XXXX XXXX LOT FOR {$26000.00}. We never looked at any vehicle at that price range. Plus I TOLD XXXX XXXX of XXXX, XXXX XXXX XXXX to CANCEL ALL DEALS! I said, " CANCEL ALL DEALS! '' more than three ( 3 ) or four ( 4 ) times on Saturday, XX/XX/XXXX. When I spoke with XXXX on Wednesday, XX/XX/XXXX I told him why I CANCEL ALL DEALS. Even when we disconnect on the phone on Wednesday, XX/XX/XXXX XXXX was very aware that I CANCEL ALL DEALS! He was not happy because I told him that he wasted my time and his, I also said, to XXXX he could have heard cow bells if he wasn't trying to be greedy. Cow bells is what they shack when a vehicle get sold. I heard cow bells maybe twice while wasting my time. Once I began receiving the denial letters I called the bank on one of the letters and I was told to called the dealership and explained what I just said on this compliant and the dealership can contact the bank that's the only way to correct my credit score. I have worked really hard trying to clean my credit and I am not going to allowed XXXX XXXX of XXXX, XXXX XXXX XXXX to purposely with intent damage my credit because I did not purchase a vehicle with XXXX the salesperson. I spoke with XXXX XXXX, XXXX Title Clerk with XXXX XXXX of XXXX, XXXX XXXX XXXX she take my compliant. I haven't heard from anyone that represent XXXX XXXX of XXXX, XXXX XXXX XXXX in writing or by phone. Who at XXXX XXXX XXXX XXXXXXXX XXXX committed fraud? Lied about the loan request after I CANCEL?

Company response to consumer: Closed with explanation