Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tater Inc.
State: OH

Complaint narrative:
XX/XX/year> I replied to a text message from LeaseEnd.com about my 'auto loan application. I stated I was not aware that I had filed an application with their company and was merely looking for information about how to end an auto lease. I told them proactively that I did not give any authorization to run my credit. 
XX/XX/year> I replied to a text message from a sales person named XXXX with the same company. I provided a little background and then cut and pasted my original text message stating that I DID NOT GIVE AUTHORIZATION TO PULL HARD CREDIT. 
XX/XX/year> I left Voicemail at the phone # provided in XXXX 's text message. My voicemail stated the same message as the text message about not giving permission to run my credit. 
XX/XX/year> I contacted a credit monitoring company service that I pay for called XXXX to report this problem which I considered to be fraud. They said they would put a freeze and a fraud alert on my credit report. 
XX/XX/year> I called XXXX XXXX My Credit fraud department. I let them know that I was told by another representative that we would do a three-way call with Experian in order to remove the unauthorized inquiries as well as report the UNAUTHORIZED DISTRIBUTION OF MY CREDIT REPORT TO MULTIPLE AUTO LENDERS. 
Unfortunately, a rep. named XXXX told me that he would not be able to do that for me and I would need to contact XXXX on my own. 
XX/XX/year> I got the phone number of LeaseEnd.com from XXXX XXXX 'My Credit ' fraud representative. I called the company and spoke with XXXX bringing this serious matter to his attention. He told me I would need to speak with his supervisor named XXXX about the problem. 
XX/XX/year> I spoke with XXXX for quite some time about the problem specifically requesting that they remove the hard inquiries from auto loan companies that I did not approve that were showing up as hard inquiries on my credit report. I told him that the wording on your website said nothing about pulling hard credit and I assumed if they did they would state it in those words. He said he would look into it with 'people above him ' and let me know what they could do. 
XX/XX/year> XXXX sent me a text message letting me know that I would have to contact the credit bureaus on my own, that they would NOT be able to remove the hard inquiries. 
XX/XX/year> I called XXXX XXXXraud department and the person I spoke with WAS able to remove credit inquiries from the following auto lenders, none of which were given approval to run my credit or to have my credit information : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
XX/XX/year> I spoke with a XXXX XXXX customer service rep named XXXX discussing the fact that I found three auto lenders listed under hard inquiries. The lenders included THREE of the above : XXXX XXXX XXXX XXXX XXXX 
The rep told me she would note on my credit report the information is being in the process of being challenged. She directed me to your agency to file this report and said she was not able to make any changes. I told her it wasn't just a matter of the hard inquiries. I told her I was extremely concerned that LeaseEnd.com GAVE MY CREDIT INFORMATION TO VARIOUS AUTO LENDERS WITHOUT MY APPROVAL my approval. 

Not only am I very unhappy having multiple auto finance companies showing up under credit inquiries, but I'm very concerned that LeaseEnd.com distributed my personal credit information to multiple companies without my specific authorization.

On the contrary, I put in writing MULTIPLE TIMES AND IN 2 voicemails that they did NOT have my permission to pull my credit. 

I work very hard to have good credit and having multiple inquiries is bad for your credit rating! 

Note : As of Thursday, XX/XX/XXXX, I started my actual process of looking to buy another car and went IN PERSON TO A DEALERSHIP where I signed paperwork authorizing them to run my credit and distribute my information to the lenders they chose. So, I know how it's supposed to work when you are financing a car. That did not happen with LeaseEnd.com I have quite a few screenshots of my text messages with Lease End LLC as well as a screenshot showing that XXXX removed the loan companies in question.

Company response to consumer: Closed with explanation