Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Informative LLC (CA)

On Saturday, XX/XX/XXXX my husband and I went to XXXX  XXXX XXXX to possibly purchase a car I found advertised on their website. After calling the dealership to confirm availability and making an appointment, we drove from XXXX XXXX to XXXX XXXX. Upon our arrival at XXXX  XXXX XXXX we gave the " XXXX '' at the front desk our name and appointment info. He handed us off to a salesman who took us to his desk. We were then informed the vehicle was still available but was at their other location which was about XXXX minutes away depending on traffic. Someone from the back office came out and talked to us. We were told they can have the vehicle delivered from their other location but first wanted to see if we could come to some sort of agreement on the numbers of the vehicle before they had the car brought over. We agreed on numbers we were all happy with and we were asked how we were going to pay. We informed XXXX  XXXX XXXX we were " cash paying customers. '' We were then told they would start the process to bring the car over. I was asked for my Drivers License and basic info that will be needed for the paperwork. I gave them my XXXX, XXXX XXXX, and my basic info. They asked if we wanted to start the paperwork to make this process faster while awe waited for the vehicle to be brought over. After sitting there for hours we were told they could not get access to the lock box in the XXXX Department where the vehicle 's keys were and they were unable to bring the car over. We finally leave. The next day ( XXXX, XX/XX/XXXX ) I had received email notifications from XXXX XXXX, of a new inquiry on my credit report. Upon review I took screenshots of the new inquiry from XXXX XXXX XXXX and XXXX the dealership. We spoke to XXXX in financing and emailed over the screenshots. XXXX  comes around and we talk to XXXX at LA XXXX XXXX informed him of what was going on and forwarded the email I sent the previous day to XXXX. In the email I reiterate that we were cash paying customers so there was no reason to run my credit nor was there any authorization to obtain my credit report and ask that they correct this by having the inquiry removed. Days go by with no response. So I sent a follow up email to XXXX on XXXX  XX/XX/XXXX. To date I still have not had any response from XXXX  XXXX XXXX and the inquiry is still on my credit report. Then yesterday ( XX/XX/XXXX ) I received a letter from XXXX  XXXX XXXX which appears to be their notice to me of obtaining my credit report, which also states " Thank you for your recent application with us for financing. '' Again as cash paying customers I never applied for any type of financing, I never asked for financing, or authorized any pulling of my credit report. 

XXXX  XXXX XXXX also forcefully and unlawfully includes with the sale of all their vehicles the unauthorized dealer accessories they supposedly add to every vehicle prior to selling, that they claim can not be removed, these include a vehicle low XXXX, XXXX jet, and some type of door guards. These costs can be up to the $ XXXX range and are automatically added as additional costs to every vehicle they sale. LA XXXX XXXX knows this is an unlawful process as they advertise on their website the following disclosures : " PRICES DO NOT INCLUDE GOVERNMENT FEES OR TAXES, ANY FINANCE CHARGES, ANY DEALER DOCUMENT PROCESSING CHARGES, ANY ELECTRONIC FILING CHARGES, ANY EMISSIONS TESTING CHARGES, OR ANY CUSTOMER REQUESTED DEALER-INSTALLED ACCESSORIES CHARGES. CHARGES WILL APPLY FOR THE CUSTOMER REQUESTED DEALER-INSTALLED ACCESSORIES. '' " NOTICE REGARDING SECURITY SYSTEM : The dealership equips every vehicle with an anti-theft GPS tracking device for the protection of the dealership. This device offers added security and XXXX be purchased by the customer for an additional retail price or XXXX be removed at the customers option. '' These items are NOT " customer requested dealer installed '' option these are customers have NO choice dealer options they added without being asked.