Initial Business Response / [redacted] (1000, 5, 2015/03/02) */ Contact Name and Title: [redacted] Contact Phone: XXX-XXX-XXXX Contact Email: ***@ [redacted] .com I'm am sorry of the misunderstanding, but as you stated in your complaint you agreed to run your "credit score"We don't run credit scores, we send your application through our finanace computer system and it automatically sends your credit information to various lenders we have set up in our system to see if you can get financing for an automoblie purchaseYour credit score is an indication of credit, but different lending instutions all have different requirements and the score is only one part of itYou cannot run your score without running your credit historyIf you agreed to have your credit score run, you were agreeing to having you credit report run and it sent to lending sources to see if you could get creditAgain, I am sorry for the miscommunicaton Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/03/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) Youre zeroing in on one part of the complaint and a small one at thatA person's credit should not be "automatically" runI specifically stated I was unsure of what I was doingAdditionally if this "automatic" run is your standard procedure it should have been stated to me BEFORE I agreed to you running my credit the first timeIt's illegal to do this without consent I believe Final Business Response / [redacted] (4000, 9, 2015/03/10) */ I am not "zeroing in" on one part of the complaint, I am talking about the main part of the complaint that someone ran your credit without your approvalWhat I am saying is, that is not the case, when you agreed to have your "credit score" run, you were agreeing to have a credit check run, but you did not realize it, due to a misunderstanding of what was going to be runLike I said before, we don't run credit scores, we submit your information to a bank(s) to see what they sayIt is illegal to run someone's credit without their approval, and we would never do thatI understand that you gave our salesman your information, i.esocial security number, so that he could get your credit score only, but we cannot do that, we get an entire credit history of the person and the only way to know if you can, in fact, get automobile loan credit, is to submit your information to the bank(s)Again, I am sorry that our salesperson did not explain that to you properlyI cannot reverse what was done, because it was done, with consent, when you agreed to have your credit score runRunning credit is not an automatic procedure, it can only be done with consent and you have to give us information that we don't have
Initial Business Response / [redacted] (1000, 5, 2015/03/02) */ Contact Name and Title: [redacted] Contact Phone: XXX-XXX-XXXX Contact Email: ***@ [redacted] .com I'm am sorry of the misunderstanding, but as you stated in your complaint you agreed to run your "credit score"We don't run credit scores, we send your application through our finanace computer system and it automatically sends your credit information to various lenders we have set up in our system to see if you can get financing for an automoblie purchaseYour credit score is an indication of credit, but different lending instutions all have different requirements and the score is only one part of itYou cannot run your score without running your credit historyIf you agreed to have your credit score run, you were agreeing to having you credit report run and it sent to lending sources to see if you could get creditAgain, I am sorry for the miscommunicaton Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/03/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) Youre zeroing in on one part of the complaint and a small one at thatA person's credit should not be "automatically" runI specifically stated I was unsure of what I was doingAdditionally if this "automatic" run is your standard procedure it should have been stated to me BEFORE I agreed to you running my credit the first timeIt's illegal to do this without consent I believe Final Business Response / [redacted] (4000, 9, 2015/03/10) */ I am not "zeroing in" on one part of the complaint, I am talking about the main part of the complaint that someone ran your credit without your approvalWhat I am saying is, that is not the case, when you agreed to have your "credit score" run, you were agreeing to have a credit check run, but you did not realize it, due to a misunderstanding of what was going to be runLike I said before, we don't run credit scores, we submit your information to a bank(s) to see what they sayIt is illegal to run someone's credit without their approval, and we would never do thatI understand that you gave our salesman your information, i.esocial security number, so that he could get your credit score only, but we cannot do that, we get an entire credit history of the person and the only way to know if you can, in fact, get automobile loan credit, is to submit your information to the bank(s)Again, I am sorry that our salesperson did not explain that to you properlyI cannot reverse what was done, because it was done, with consent, when you agreed to have your credit score runRunning credit is not an automatic procedure, it can only be done with consent and you have to give us information that we don't have