RoadLoans.com

On 5/7/12, I pulled my credit report because I have been trying to repair my credit. The last time I pulled my report was in 8/2011. Well, I had found that my credit score went from 660 to 540 practically overnight. This concerned me because I have not made a payment late. I did some research in to my credit report to find that I have several inquires that I did not authorize on my report, two were from this RoadLoans place. That really baffled me since I already have an account with Honda Financial and have had it for over four years now, and I am very happy with them. The first time they hit my credit was on 9/8/11 and then again on 4/17/12.

Just like everyone else that these con artists have hit them, I started getting pre-approved auto loans emails, telling me to finalize my application. I disregarded these because I have not applied for a car loan and had no desire to get a new loan. I trashed these emails like everyone else did, only to have this company apparently hitting my credit without my approval. I did submit a dispute for to the credit agency and they refused to dispute it because they stated that this is something I authorized, which I never authorized. I am now stuck with a horrible credit score after I have worked so hard to repair it. I need some legal action and help against these people. This is not right and something needs to be done about this fraud that they are committing.

I started receiving emails from different auto loan websites, stating my loan application had been received and to follow-up with them to finish the process. I deleted them because I had not applied for a new auto loan. A month later, I went to Ron ** after receiving a call from them about getting a new or used car. My car had just broken down so I figured, why not. When I talked to the credit officer there, he told me he had received my application from a client they use via the web. I told him I hadn't applied over the internet, but I had received several requests to finalize my application via email. It turns out, that over 30 hits had been made to get my credit info which damaged my credit rating beyond easy repair.

I have contacted and emailed RoadLoans over 20 times and also talked to them when they have called my home, telling them I had not applied for an auto loan and to please remove my name and personal information, and that they are not authorized to check my credit nor any other company they are associated with has my authorization. This company needs to be stopped from ruining people credit and lives.

Help. This Road Loans is ruining my credit history and inquiries that affect my scores. Last year they dropped my scores form 660 to520. Now I have tried 6 months to remove what they ** up and tried to re-establish my score only to get hit up 5 times in 2 days by dealerships that the Road Loans has referred me back to without ever instigating any need or want for this. My consumer rights are violated and I want a class action lawsuit filed against all the parties that have caused my credit to tank over their malicious inquires and referrals to sources I never heard of that now want to have my data. That is a privacy concern and violation.

Do not ever have this dealer contact me and do not ever check my credit. You do not have my permission and will be sued. I will litigate FCTC with attorney for my losses and punitive damages you caused me.

To attorney: go ahead and start litigation on this company and Ray ** for their lies and checking credit with no verbal or written permission and have caused my loss of score from 640 to below 420. Now I can not get a loan.

Ray **, stop. You do not have my permission to see my data or check my credit. I revoke all your rights in all cases all your dealerships.

I received my credit report today and little did I know my ex applied for a loan on 8/27/2010 to go bury his brother in North Carolina. He knew all of my information because we had lived together for 7 years. How could you all do this without even perhaps calling me to see if this was legit or not. I personally hold you guys responsible because you all should not be taking applications by internet without properly identifying who is who.

Anybody can get on the internet and say they are someone else and since you can't see them, it could be anybody using some one's information. I want something done about it on your end because on this end, I am going to the police station and will press charges.

RoadLoans accessed my credit report with no authorization from me. I did not apply for a loan or cosign for a loan, any type of loan. I called RoadLoans and spoke with a customer service rep, who was unable to find an application on file. She transferred me to her supervisor, who was also unable to locate an application. He suggested I contact their legal department. Over the next week, I placed several calls to their legal department with no return call. Finally, I called RoadLoans back and spoke with another supervisor, who was also unable to locate an application. She said she would inquire about the delay in getting back to me. I finally received a call from their legal department and I spoke with T. **. Once again, no application could be located. She was as confused as I was.

I asked Ms. ** if she could please send a letter to Transunion requesting that the inquiry be removed. She flat out refused because she said that if there was no application on file, then they had no authorization to access my report and they cannot send out a form letter without an application. Coming from their legal department, I was appalled at that answer. If they can't send out a form letter in this situation, then under what circumstances do they send a form letter? I asked her this exact question and all she would tell me was that she couldn't help unless there was an application on file. I then placed a call to Transunion and I spoke with a supervisor, who informed me that without a letter from the creditor, this inquiry cannot be removed. I have since left several messages for Ms. ** in addition to leaving messages on their legal department's general voicemail, but no one is returning my call.

I've done some research on these companies and I've found many complaints, three of which are from the Better Business Bureau, that are similar in nature to mine in terms of their questionable acts, horrible customer service and basic unwillingness to right their wrongs. Terms such as fraudulent, deceptive and bogus company were used to describe them. I don't know how RoadLoans got my information, but they clearly pulled my credit report in error or perhaps illegally, but either way it's their responsibility to make it right. And it appears that they have no intentions of doing so. I have a high credit score and I've worked very hard over the last few years to get to this point, so why on earth would I do business with a company that targets people with bad credit? It's not fair that my credit score is going to be negatively affected because of a bogus, dishonest company.