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  • Credit Law

    My wife was automobile shopping, the salesman told her that she could get a better rate with a co-signer with a better credit rate. and convinced her that because we were married she is allowed to give out my info. In fact when they called me on my job asking would I come down to sign the credit application after the fact. I was not shopping for auto credit because I building a score to make a real estate investment. I wrote a memorandum to the dealership explaining that this was fraud, and identity theft, I've worked diligently attempting to get this removed. The only thing the dealership offered was an apology. I feel my privacy rights were violated, is this all they owe me? Whenever they check my credit I know they must have a photo ID, and sign all kinds of applications to verify that I am indeed the person that is applying for credit. What actions can I take against this dealership? They said because of the sales event that the salesman didn't really belong to the dealership. It was a sales team from out of town, hired to push in volume. I still think it was their responsibility to make sure things such as this don't happen. Now because of the inquiry my chance of closing a deal with a good intererst rate may cause me thousands in the long run.

  • #2
    They indeed are responsible. You may sue in small claims if need be and you may report them to your state attorney general as well. Tell them that and ask them to resolve this or inform them that you will take further steps.

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    • #3
      I don't have any idea what kind of monetary amount to sue for, but I do have all the evidence including the credit report and apology letter from the general manager of the car dealership. I will report them to the state attorney general office. I really wanted to persue this because of the way they tried to treat me when I actually went to the dealership to inquire about the inquiry. So I want to show them the consumer has RIGHTS! Someone give me some info on what steps I need to take.

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