Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a complaint against Experian for refusing to allow me to file a dispute on items listed on my credit file. I tried to file a dispute with Experian on multiple occasions and I was told that I could not file a dispute. I received a pre-approval from my bank in XX/XX/XXXX for a vehicle. On XX/XX/XXXX, I went to XXXXXXXX XXXX XXXXXXXX and provided my pre-approval letter to the sales representative. I specified the vehicle I was interested in, and the banker said he would contact the bank regarding the pre-approval. The bank requested my personal information to verify my identity with the bank. I was very clear that I did not want my credit score to be run because I did not want my credit score to drop. I was assured that they would not run my credit. 20 minutes later I was told that they could not pull the pre-approval. The banker tried to get me to run my credit with the dealership bank and I declined and I exited the location. 


On XX/XX/XXXX XXXX XXXX, I provided the sales representative with the pre-approval letter. I informed the sales representative that I did not want my credit run, and they agreed that they would not run my credit. They requested my personal identification information which I provided. After waiting several hours for a response two customers entered the facility and warned all the customers that the dealership sold them faulty cars. My fiance went outside and noticed that none of the vehicles had inspection stickers. I requested my pre-approval documentation back and I exited the dealership. 


On XX/XX/XXXX my fiance was on his way to work and he decided to stop by a dealership in XXXX. I was not present when my fiance went to the dealership. He showed the dealership the pre-approval letter and asked if they would be able to use the pre-approval from my bank for the purchase of the vehicle. He was clear that I did not want to run my credit. The dealership said that they would be able to go through my bank to get the pre-approval and apply it to the purchase of the vehicle. They requested my personal information to pull the pre-approval and that was provided to the dealership. The dealership later stated that they could not pull the pre-approval. My fiance declined to go any further. 

On XX/XX/XXXX I visited XXXXXXXX XXXX XXXX. Once again I provided my pre-approval letter to the sales representative. I explained that I did not want to run my credit and the sales representative relayed the information to the banker. The dealership requested my personal information to verify my identity. Finally, I was able to use the pre-approval that I received from my bank. I purchased my vehicle on XX/XX/XXXX. 


A month later I discovered that all of the of the dealerships that I visited had run my credit. I contacted all of the dealerships and they apologized and told me to dispute the inquiries with the credit Bureaus and they would not challenge the dispute so the inquiries would be removed. Some of the dealerships claimed it was a miscommunication with the back office. 
However, I was advised to file a dispute with the credit bureaus. 

I reached out to Experian and tried to file a dispute on the inquiries ; the dispute department refused to allow me to file a dispute. When I asked why they refused to allow me to file a dispute if I did not authorize anyone to run my credit. I was told because I directly benefited from the inquiries which is untrue. I didn't get a vehicle till XX/XX/XXXX so how could I have benefited from dealerships running my credit as far back as XXXX XXXX XXXXXXXX. If I directly benefited I would have purchased a car that same month but I did not. I also had a pre-approval and requested my credit not be run with any other banks. 

I spoke to a supervisor at Experians dispute department and he refused to allow me to file a dispute. I also filed a dispute with XXXX and XXXX refused to remove the inquiries. I want the inquiries removed immediately or I will seek legal counsel against these bureaus for denying my legal right to file a dispute. 




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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