What is the actual hard inquiry removal process if a dealership ran my credit without explicit permission while shopping for a family minivan?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What is the actual hard inquiry removal process if a dealership ran my credit without explicit permission while shopping for a family minivan?
3 real searches · 1 real-search pass
FCRA permissible purpose auto dealership hard inquiry consumer authorization credit application CFPB FTC dispute unauthorized inquiryGoogle ↗
OBSERVEDYes / no
CFPB dispute unauthorized hard inquiry credit report dealership permissible purpose FCRAGoogle ↗
OBSERVEDConsequence
Pennsylvania Attorney General unauthorized credit inquiry dealership consumer complaintGoogle ↗
OBSERVEDConsequence
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
FCRA permissible purpose auto dealership hard inquiry consumer authorization credit application CFPB FTC dispute unauthorized inquiry Google ↗
CFPB dispute unauthorized hard inquiry credit report dealership permissible purpose FCRA Google ↗
Pennsylvania Attorney General unauthorized credit inquiry dealership consumer complaint Google ↗
- https\://www\.annualcreditreport.com/ · annualcreditreport.com
- CFPB complaint portal · consumerfinance.gov
- FTC identity theft resources · identitytheft.gov
- Pennsylvania Attorney General complaint portal · attorneygeneral.gov
- Who can request to see my credit report? · consumerfinance.gov
- What can I do if my credit application was denied because of my credit report? · consumerfinance.gov
- FTC guidance on automobile dealerships and credit reports · search.ftc.gov
- Advisory Opinion to Landever (10-12-99) · ftc.gov
- Advisory Opinion to Shibley (06-08-99) · search.ftc.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FCRA permissible purpose auto dealership hard inquiry consumer authorization credit application CFPB FTC dispute unauthorized inquiry OBSERVED | Google ↗ AI Mode ↗ | — | Yes / no | — | — | 1x of 1 | |
CFPB dispute unauthorized hard inquiry credit report dealership permissible purpose FCRA OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Pennsylvania Attorney General unauthorized credit inquiry dealership consumer complaint OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |