Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Tesla, Inc.
State: FL

Complaint narrative:
Tesla has engaged in repeated retaliatory and discriminatory conduct against me, including unauthorized credit activity, internal defamation, and refusal to do business without lawful notice. 

On XX/XX/2025, I placed a reservation and order for a Tesla vehicle. Tesla then submitted my application to multiple lenders despite having already internally decided not to do business with me. 

XXXX, XXXX, and XXXX  all reflect multiple hard inquiries initiated on XX/XX/2025 by lenders Tesla submitted my application to. These inquiries were denied by Tesla staff verbally, despite appearing on all three credit bureaus, and no adverse action notices were ever provided, in violation of the Equal Credit Opportunity Act ( ECOA ) and Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2025, during a call to the Tesla XXXX XXXX location, I was told : You are block-listed for fraud. This was later confirmed by Tesla management to be an internal designation only, not related to any external investigation. I have never committed fraud, am not under any fraud investigation, and there is no fraud notation on my credit reports. This internal label was false, unsupported by any evidence, and used to justify cancelling my order. 

Tesla also routes all transactional communication exclusively through its proprietary app, which allows the company to control what I can see about my order status, communications, and changes to the transaction, and has made it more difficult to obtain clear, timely disclosures or written explanations. 

On XX/XX/2025 at XXXX XXXX., I received a phone call from Tesla XXXX XXXX, XXXX XXXX, who admitted that Tesla had internally decided they would no longer be doing business with me based on prior orders that Tesla itself had cancelled. He also stated that the fiduciary and trust documents I previously provided were considered by Tesla to be potentially fraudulent, and that I had never been informed of their internal decision to block my account. This was later confirmed in writing via email, which I have retained as evidence. 

Tesla has engaged in this pattern on five ( 5 ) separate occasions, each time accepting an order, running my credit with lenders, cancelling the transaction, and refusing to provide lawful notice or explanation. This constitutes a pattern of retaliation for prior complaints and enforcement activity, as well as discriminatory and deceptive business practices.

Tesla also debited a {$250.00} reservation fee associated with this order, which cleared my account before the order was cancelled. Only after I challenged the transaction and raised complaints did Tesla acknowledge the refund. 

Teslas conduct has caused damage to my credit profile, emotional distress, reputational harm, and loss of transportation. The unauthorized hard inquiries, internal fraud labeling, retaliation, concealment of adverse decisions, and repeated cancellation of orders without justification constitute violations of federal consumer protection laws including ECOA, FCRA, and unfair and deceptive trade practices statutes.

Company response to consumer: Closed with explanation