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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I went to get a copy of my loan agreement from world XXXX XXXXXXXX north 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 XXXX salesman @ XXXX XXXX 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 XXXX. 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 veteran. 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. Thst salesman lady took forever to get the purchase order XXXXXXXX XXXX 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 XXXX 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 % XXXX which I felt that XXXX couldn't beat XXXX 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, XXXX XXXX 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 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