Consumer complaint received 2024-03-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I went to get a copy of my loan agreement from XXXX XXXX XXXXXXXX XXXX  because nobody would help me get me my loan agreement. I needed it for the roadside assistance etc. I ended up looking at some cars but I thought the sales man was doing a soft inquiry. He siad it wouldn't effect my credit score. I had been applying online for pre approvals only so it couldn't hurt right? Well I wasn't satisfied with the 1st salesman XXXX XXXX XXXXXXXX XXXX XXXX so I just went home and never got my documents I originally went there for. They just blew me off. This was XX/XX/year>. I remember because that's my father 's birthday. Anyways, I talked to a different salesman. XXXX she was manipulating the situation. I told her I already got approved with my own bank.and it took her forever to figure anything out. She even had the odacity to say she didn't know was a XXXX. She is a liar this was going to be my 3rd brand new car from the same dealership and they all treated me like a number. XXXX  salesman lady took forever to get the purchase order XXXX t to my bank When she finally did she had the nerve to put another bank 's name on My purchase order documents as if I wouldn't notice. I did XXXX XXXX did she do that? She said they just needed a purchase order. I siad yeah either the correct info in it. Well I was done with her so I went to XXXX XXXX XXXX of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX texas XXXX. I XXXX the nightmare I was having and they too screwed me. Both XXXX XXXX XXXX 's ran my credit without my consent. I told both dealerships thst I had my own loan with my bank XXXX. But they obviously did me dirty and did whatever they wanted to and caused me XXXX. Eventually I saw tons of inquires from banks & auto Financing. Some I saw 3 times over. I never authorized any of these dealerships to have permission to run my credit and I knew the 10.22 % apr which I felt that XXXX couldn't beat my bank 's offer. But then XXXX and their paint and protection package that I told them over and over that I don't need the Add-on 's & I don't want t. I put actual cash down on my new car like {$2000.00}. The paint protection was {$1800.00} which squashed my down payment. Even some sales people lied to my face saying they stopped the add ons or I don't have to get it. They all lied just to get a sale. They forgot my {$300.00} military discount on the purchase order, they ran my credit report with total disreguard of me telling them I have my own loan. Like I was invisible. My XXXX XXXXXXXX XXXX XXXX was in their service dept. Since XXXX and I couldn't use it as a trade cuz they hadn't figured out what the XXXX headquarters was gon na agree on. My loan was about to expire and they actually extended it a few more days. I didn't get the car I wanted. I wanted the XXXX XXXX & I had to settle for the XXXX XXXX, but st that point I didn't XXXX  cuz by the time ingot my XXXX XXXX XXXX the ship the service dept. Didn't even do any diagnosis on the entire XXXX  but they replaced the engine a XXXX time but this time when my car stalled I hit a vehicle and it wasn't my fault but my insurance paid out {$8000.00} to the other driver. And XXXX still hasn't reimbursed me nothing yet. I got lots more issues and this is just the worse experience of my life pertaining to any money I've spent.

Company response to consumer: Closed with explanation