Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Complaint:
I spoke with salesman at XXXX XXXX of XXXX on XX/XX/XXXX. I currently had a XXXX lease from them that was coming to the end of its term on XX/XX/XXXX. I had a lot of pressure to turn it in to them because of the chip shortage and lack of inventory. I received many calls, e-mails and correspondence in the mail from them. I decided to purchase the vehicle and obtain financing from XXXX XXXX XXXX ( I have financed my vehicles through them for over a decade ). The salesman said that he would send me an e-mail with link for financing through XXXX XXXX XXXX. I completed and returned it on XX/XX/XXXX and was instantly approved. When asked what my rate was, he told me 6.50 %. I told him that it was too high and would get my own financing. The salesman called again on XX/XX/XXXX to ask what I decided. I told him that I was going with XXXX XXXX XXXX because of the rates. He then put his Finance guy on the line. The Finance guy said that he would try to get a better rate with other banks. I told him that I didn't want him to and that if XXXX 's rate was too high, I was going with XXXX. He again said let me see what I can do. I told him that I didn't want any hard hits on my credit report and told him that XXXX was enough and then I would have one more with XXXX. He then asked me my occupation. I said banker, Risk and Compliance. He sounded nervous. He again said Let me see what I can do. I said again I do not want any more hard hits on my credit report. He said we already did and I will call you back. I never heard from them again. I pulled my own report and saw that XXXX Bank was listed and XXXX XXXX XXXX was not. I proceeded to another XXXX dealership on XX/XX/XXXX. The other dealership told me that there were more hard hits on my credit report. The rate that I could have received with XXXX was between XXXX and XXXX percent. Because of the hard hits, it is now XXXX percent. I am outraged at this point. I went ahead and completed the paperwork at the other dealership because my lease is ending. Had XXXX XXXX of XXXX not bombed my credit report, I would have had a 90 day waiver for my first payment and a much lower rate ( for a credit score of XXXX and above ). Now I have a high rate and have only a 30 day waiver. The finance guy at XXXX XXXX XXXX XXXX said they only had one tire protection package that would cost me {$1800.00} and that was not true. They had several options and I picked one at the other dealership for less than half that amt. He also told me a XXXX yr. warranty would cost me {$4800.00}, the Premium Warranty plan that I have with the new dealership is {$2600.00} for 5 years. I tried to see how this could be resolved with the credit union and new dealership and they could do nothing but advised me to wait a few months to refinance when the hard hits fall off. I called attorney and was advised to contact credit bureau ( Transunion ). Transunion advised me to report this to the FTC in which I did ( Ref # XXXX ). The FTC advised me to also report this to the CFPB. I received a call from XXXX XXXX of XXXX on XX/XX/XXXX asking me to come in and meet with a XXXX XXXX representative and look at a new car purchase and when I said No thank you, she said, Do you still own the XXXX Fusion? Really? I have read reviews for XXXX XXXX XXXX XXXX after the fact and see that they have been doing this to other people as well. I should not have to pay higher rates because of the greed of others. What is my recourse? Please investigate. We are hard working people trying to stay afloat. Please forgive my punctuation, grammar or misspellings. I received a call from the new dealership on XX/XX/XXXX and they want me to come in to sign the final transfer paperwork now. I hope this gets resolved and I do not have to pay 7.49 %. I would never recommend XXXX XXXX XXXX XXXX to anyone and think that someone needs to keep an eye on their bad business practices.

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