Consumer complaint received 2024-12-18 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: Wildhorse Financial Services, LLC
State: NY

Complaint narrative:
I submitted a request to a company called Gravity lending in order to get quotes for auto refinancing. The website advised me that there would be no hard inquiries, only soft pulls from my credit report in order to get possible quotes on refiancing rates. I never submitted my social security number or authorized this company or any other company to check my credit report. I have no idea how they accessed my social number. 
I received an email from a person named XXXX on XX/XX/XXXX thanking me for submitting an application, by XX/XX/XXXX I started receiving notifications that my credit report was being checked and I had a hard inquiry from a XXXX XXXX I have never heard of. I received another email from XXXX that explicitly states he could " send me some quotes '' I copy/pasted that email below : This is XXXX  with Gravity Lending I know you are getting bombarded with calls. I won't be doing that to you. I'd like to send you some quotes & let the numbers speak for themselves. Just tell me your goals and I'll get some numbers over to you. 


Best, Gravity Lending Website Link XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Gravity Lending XXXX XXXX XXXX Gravity Lending XXXX Link Gravity Lending XXXX XXXX  Gravity Lending XXXX XXXX  I never spoke with this person and I replied to his email letting him know that I was looking for quotes to lower my car payment and I asked him if he accessed my report because of the notifications I was receiving almost consecutively because I could not and did not want to believe that this company accessed my credit report without my authorization. This person XXXX never responded to my email. I copy/pasted my reply : XXXX XXXX XXXX XX/XX/year>, XXXX ( XXXX  days ago ) to XXXX XXXX XXXX XXXX I am not getting bombarded with phone calls actually and thats a great thing. Please send me quotes, I need to lower my car payment and interest rate. Did you check my credit report? 
Thank you for your time, please let me know what my next steps are. 

Best regards, I did not hear hear back from anyone until I received an email on XXXX XXXX stating they want to review XXXX XXXX XXXX with me. That afternoon I called the number on the email because more inquiry notifications were being sent to me and spoke with XXXX who described himself a XXXX and I asked him if they accessed my credit report and he stated they gave my information to banks and credit unions who went ahead and checked my credit report because I " checked off a box '' when I submitted my request for quotes. I did not check off any boxes giving them authorization and when I asked this person to send me proof of the box I checked off and he sent me a SCREENSHOT of the page as an " example '' of what the page looked like, not the actual page where it would show I checked a box. XXXX also told me he could not get the hard inquiries deleted, I would have to contact each company to request they delete these inquiries. I also asked XXXX if any of these hard inquiries resulted in a loan approval and he stated NO it did not. This afternoon I sent him an email demanding they delete my information and stop accessing my credit report. 
I researched this company after the fact and found that there are numerous complaints about unauthorized access to credit reports. This practice and company needs to be stopped from doing this, they access people 's personal information without permission and can lead to identity theft. 
I need to have these hard inquiries from my credit report deleted and legal recourse against this company for accessing my credit report without my permission.

Company response to consumer: Closed with explanation