EDITED: PLEASE SEE PHOTO. EQUIFAX LETTER CALLS COCHRANE CHEVROLET "FRAUDULENT", JULY 2022.
After 1.5 years of struggling to restore my excellent credit record with this evasive, dishonest dealership, Equifax called this company out!!!
Cochrane Chevrolet did two credit inquiries without my authorization in March 2021. This further resulted in FOUR unauthorized inquiries total, as they also gave forged documents to two banks. I struggled for over a year to get Cochrane Chevrolet to rescind these inquiries. Manager Rob Dzikewich and bookkeeper Gregory Cyr emailed saying it's done, yet these damaging inquiries remained on my credit report.
The only place they could have gotten my signature was when they photocopied my driver's license to allow a test drive. I would never be so ignorant as to sign documents before deciding to purchase a vehicle. Imagine if you visited three different dealerships, and gave authorization at each. Your credit would soon be worthless!
I did not purchase anything from them. They offered a test drive in a car with a cracked windshield, and that was the end for me.
Their inquiries triggered further credit inquiries from two banks. I called these banks, and learned Cochrane Chevy had forwarded my signature on documents I had never signed. CC has refused to send me anything that shows I signed a credit inquiry authorization. Because I didn't.
Equifax never heard from Cochrane Chevy to rescind one of their unauthorized inquiries, and neither had the two banks. After a year, only one of CC's FOUR inquiries had been rescinded, and they ignored my calls and emails. I spent hours trying to repair my credit due to their fraud.
CC has been nothing but obstructive, driving my Excellent rating down nearly 100 points with unauthorized inquiries.
I read CC's response, which is very evasive.
1. My "input" (evasion) was letting them copy my DL to have a test drive. Notice they cannot claim I signed an authorization.
2. Only one of FOUR unauthorized inquiries has been removed. The other three remained and have drove down my credit. I asked the two banks if they had ever received a request from Cochrane Chevrolet to withdraw their inquiries. They said they had received signed authorizations (who signed them? I didn't), and no further contact from CC requesting to mask their inquiries. Again, the only place CC could have seen my signature was on my DL.
3. My follow ups were ignored. My Equifax was a mess for over a year, due to CC's unauthorized credit inquiries. SEE EQUIFAX LETTER BELOW. read more