Vehicle loan or lease -- Improper use of your report -- Complaint #6916391
Complaint Overview
Complaint ID: 6916391
Company: Equifax, INC.
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Ohio
ZIP Code: 450XX
Date Received: 2023-05-01T12:00:00-05:00
Date Sent to Company: 2023-05-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX to purchase a vehicle. I was pre approved and indicated I did not want to apply with any other lenders or have my credit checked by XXXX. My intent was to complete the purchase entirely online with XXXX XXXX once a pre purchase inspection was completed. I have text messages stating this and assuring me my credit would not be run and I had to fill out the application for identity purposes. As soon as I submitted the application my credit was run through multiple lenders at least 5! Despite my pre-approval and the assurance that it would not be run. I am requesting these inquiries be removed from my report as they were not authorized and impacting my credit score. I ended up not purchasing the vehicle as it did not pass the independent inspection I had performed.
Frequently Asked Questions
What is Complaint #6916391 about?
Complaint #6916391 was filed against Equifax, INC. regarding Vehicle loan or lease specifically about Improper use of your report. It was received by the CFPB on 2023-05-01T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Vehicle loan or lease) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.