Consumer complaint received 2017-07-13
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: Western-Shamrock Corporation (TX)

Complaint:
I attempted to apply for a {$500.00} loan on line with and then received a call on X/XX/2017 from a representative from Western Finance in the XXXX, Texas location inquiring for more information. I went to the location on X/XX/2017 to provide the information they needed, but I before letting them submit the application, I asked if they were going to do a soft inquiry or a hard inquiry on my credit. The representative assured me that it was going to be a soft inquiry and they look mainly on my payment history which I was fine because I did not want a hard inquiry because I was going to refinance my car and I did n't want my credit to be affected. I provided the information needed, and the manager verified my employment and stated that due to company policy I could not be funded because I do loans as well. When the manager made that statement, the representative that assisted asked her manager about what she just said because it was even obvious that she did not know about that policy and also stated, " I did know that. '' The representative apologized and I left the establishment, but a couple of days later I noticed that the company did a hard inquiry which affected my score. I contacted their corporate office ( Western Shamrock Corporation ) and left a message since I called on a Sunday. I received a call back the next day and was told I was going to receive a call the next day from a representative that handles these situations. A week went by and I had not received a call yet so I called the XXXX location on X/X/2017 and spoke with representative that assisted me and notified me they were aware of the situation and that the District Manager was suppose to contact me. I explained to the representative why I was upset and she even told me that the company tells them to advise their customers that a soft inquiry is done on their credit because only a few points go done. I told her that is wrong because its shows up on my credit score and a hard inquiry and that is providing false information. I also stated that she should have known that applicants that do loans will be denied so this whole situation could have been avoided. Another week went by and no one had called so I contacted the corporate office on X/XX/2017 and left another message. I finally received a call from the District Manager on X/XX/2017. I explained to her the situation and I told her the exact same thing that I said to the corporate office. While speaking with the District Manager, it was obvious that she did not know the difference between a hard inquiry and a soft inquiry on your credit. She even had the audacity to tell me how the inquiries in my company work. The District Manager then stated that there was nothing they could do because I did apply. I told her I applied because I was provided with false information and they should not have even ran my credit as soon as they saw where I worked. She said that they still could not do anything. I yet have received any type of documentation from their office stating they ran my credit.

Company response to consumer: Closed with explanation