Business ProfileforCentral Chevrolet Company, Inc.

Central Nissan ran my credit without my authorization. I had not done an application for vehicle purchase. Brian the Finance/General Manager informed me that my social security number was ran under the name of another person. He stated that they do not use Equifax, but I have a hard inquiry on my credit file which dropped my credit score 25 points. I was told to call Equifax which I did. I was informed my Equifax that the dealership only needed to send an electronic message requesting the removal of their mistake. Brian as well as other employees stated they did not know how to perform the task requested by Equifax and the burden of correcting the mistake caused by them not entering the correct information was placed on me to correct.

Jennifer Contacted me with an issue about her credit being run without her permission. When she says it was ran under the name of another person, she is referring to her daughter whom she had previously cosigned for. Her daughter stated her mom was trying to take her vehicle away and was upset over the situation. She asked us to try and get her financing on a different vehicle that her mother was not cosigned on so Jennifer could not hold this over her. That day she filled out a credit app and was unable to purchase and left. A little over a month later, Jennifer contacted me saying her credit bureau had been ran at our dealership and asked why. I looked into the issue and found no where that we had ran her credit by searching for her name since her previous purchase. We use a service called 700Credit to run credit for customers so I contacted them and they let me know that her social had been used on the day her daughter entered our dealership. Whether her daughter used her social or our systems had an issue, I am not sure. Since the issue did occur, I offered to have the inquiry removed from Jennifer's credit. Since we use 700Credit, they informed me they can not remove it legally without a dispute form signed by Jennifer. I contacted Jennifer and emailed the form to her but she has since refused to sign the form. She contacted 700Credit herself and she was told the exact some thing by them. That if she would sign the dispute form, the inquiry could legally be removed. She has refused to sign the form that would allow us to remove the inquiry at every opportunity she has. I have been emailed from 700Credit showing their conversation and how they, along with us here at Central Nissan, have done everything in our ability to legally resolve her issue. She keeps saying to us that she doesn't want anything to come back on her daughter for whatever reason. I have explained multiple times if she would sign the dispute form the entire issue would be resolved. I am still very willing to devote my time and attention to this situation, but the dispute form must be signed before we can proceed with removing the inquiry from her bureau whether it be because her daughter used her information that day or there was a system error.