Consumer complaint received 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: FORD MOTOR CREDIT CO.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX Phone : XXXX Email XXXX XXXXXXXX Subject : Complaint Regarding Unauthorized Hard Credit Inquiries by XXXX XXXX XXXX XXXX XXXX I am filing this complaint regarding multiple unauthorized hard credit inquiries submitted by XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. These inquiries were made without my knowledge or consent, after the dealership had already informed me that the transaction could not proceed without a cosigner. The dealerships actions caused severe and immediate damage to my credit and directly impacted my ability to obtain a vehicle loan needed for work. Chronological Summary of Events : XXXX. On XX/XX/year>, I contacted the salesperson only to ask whether it was too soon to apply for another auto loan. This was a request for advice, not a credit application. XXXX. Based on my XX/XX/year> experience with the same dealership, I understood that a soft pull would be performed first, and that a hard pull would only occur with explicit consent after approval and after signing additional paperwork. I signed the same XXXX XXXX form used in XXXX. XXXX. I left the dealership at approximately XXXX XXXX for a work call. I did not authorize any hard credit submissions. XXXX. At XXXXXXXX XXXX, the salesperson called and stated that the only way the loan could be approved was with a cosigner. I told him I did not have one. He replied, Then theres nothing to do. At that point, the transaction was clearly over. XXXX. Despite this, the dealership submitted my information to numerous lenders without my authorization. My credit reports show : XXXX : XXXX inquiries XXXX : XXXX inquiries XXXX : XXXX inquiries XXXX. These unauthorized inquiries caused severe credit score drops : XXXX : XXXX points XXXX XXXX XXXX points XXXX XXXX XXXX points XXXX. I rely on a truck for work. This credit damage has made it impossible to obtain financing. I have been informed that my credit may take XXXX months to recover, and these inquiries will remain visible for XXXX months, causing ongoing financial harm. Chronological Record of General Manager Responses : XXXX. XX/XX/scrub>XXXX XXXX XXXX XXXX I wanted to reach out as a courtesy Please let me know if this matter is considered closed XXXX. XX/XX/year> XXXX XXXX I will respond once I have had time to review this matter. It may not necessarily be as quick as you demand I have never in XXXX years had a customer leave a {$1500.00} deposit to get information or advice XXXX. After my 24hour demand I have received your latest email. Thank you. None of these responses addressed the unauthorized inquiries or committed to correcting the issue. Requested Resolution : I am requesting that XXXX XXXX XXXX XXXX XXXX be required to : XXXX. Contact XXXX XXXX and XXXX immediately. XXXX. Request removal of all unauthorized hard inquiries. XXXX. Provide written proof that these requests have been submitted. This situation has caused significant financial harm and has directly impacted my ability to work. I am requesting CFPB assistance in resolving this matter.

Company response to consumer: Closed with explanation