Consumer complaint received 2025-04-02 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: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
On XX/XX/year> I visited the XXXX XXXX dealership in Arizona with the intent of purchasing a new car. After identifying the car to purchase, the salesman XXXX gather information from me to take to financing. He printed the application for my signature and the wrong information was entered. He did this two more time before getting my information correct. I signed a document authorized a credit inquiry to finance the car. I was approved and continued the purchasing process with XXXX XXXX. When meeting with XXXX he asked in jest if I planned to apply a {$10000.00} downpayment. I confirmed his joke as truth and provided him a payment and he provided me with a lower cost than previously negotiated for the car. We finished all paperwork after including the service warrantee in the agreement and left the dealership with the car about an hour or so later. All of these steps were completed on XX/XX/year>. On XX/XX/year> XXXX XXXX contacted me from XXXX XXXX requesting I sign a purchase document with numbers inconsistent with the cost I agreed to on XX/XX/year>. He continued to contact me multiple times pressuring me to sign the document because the dealership " needed it ''. I declined multiple times explaining I was not comfortable signing a document after purchase that did not align with the purchase cost and fees I agreed to in the final contract. He then argued with me concerning what " I needed '' to feel better about signing the document. I informed XXXX XXXX that I was not signing anything that was inconsistent with my purchase on XX/XX/year>. He then created a document that had the same final cost, but the fees were outlined differently. I brought this to his attention and he continued to pressure me into signing the document that I returned to him on XX/XX/year>. On XX/XX/year> I received a notification from my bank credit monitoring showing two hard credit inquiries from XXXX. I contact Mark on XX/XX/year> to alert him of this problem and he informed me that the financing department often runs the customer 's credit multiple times to see if I can get a better rate AND he told me XXXX XXXX has no responsibility. My response was, " I only authorized a inquiry on XX/XX/year>. I did not authorize any other hard credit inquiries. '' I asked to speak with his manager and was told he would have him call me back. That did not happen. I called back on on XX/XX/year> and spoke with XXXX XXXX who gathered my name, phone number and email after bringing him up to speed with the issue at hand. He told me he would provide me with documentation showing where I had authorized these inquiries. He sent the document to the wrong email address. The document contained my name, social security number, birthdate, and address on the document. And the document did not contain the authorization to run more than one credit inquiry.

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