Moreover, the 16-page suit out of Illinois alleges defendant World Automotive Joliet LLC deceptively represents that consumers can get pre-approved for a car loan without any negative effect on their credit while failing to disclose that the application process will, in fact, lower a consumer’s credit score.
“Defendant’s conduct conceals the negative effect that Defendant’s application process has on customer creditworthiness – including lower credit scores and credit reporting that remains visible to lenders, insurance brokers, and potential employers for years,” the complaint states.
The plaintiff says he was attempting to avoid any hard credit inquiries and thus relied on the representations that his personal information would remain private and the application would not affect his credit.
Following the plaintiff’s application for credit, he received a call “within minutes” from one of the defendant’s sales agents, who then completed a credit application for the plaintiff and informed him that his application was “good,” the case relays.
When the plaintiff ultimately visited the World Kia Joliet dealership, however, the defendant’s agents shared his information with lenders, who made hard inquiries into his credit report without the man’s consent, according to the case. The plaintiff says a World Kia Joliet employee then informed him that no sales agents were available and refused him service.
According to the suit, the plaintiff’s experience at World Kia Joliet is “not unique,” as evidenced by complaints on social media, in public records and with industry associations.
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