What should I do if the dealer runs my credit report without my explicit permission after I told them I was bringing my own financing from a bank?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What should I do if the dealer runs my credit report without my explicit permission after I told them I was bringing my own financing from a bank?
3 real searches · 1 real-search pass
FTC Fair Credit Reporting Act permissible purpose dealership auto dealer credit report unauthorized hard inquiry consumer dispute CFPBGoogle ↗
OBSERVEDReason
CFPB dispute unauthorized hard inquiry credit report FCRA permissible purpose auto dealerGoogle ↗
OBSERVEDConsequence
New York Attorney General consumer complaint auto dealership credit report unauthorized credit inquiryGoogle ↗
OBSERVEDReason
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
FTC Fair Credit Reporting Act permissible purpose dealership auto dealer credit report unauthorized hard inquiry consumer dispute CFPB Google ↗
CFPB dispute unauthorized hard inquiry credit report FCRA permissible purpose auto dealer Google ↗
New York Attorney General consumer complaint auto dealership credit report unauthorized credit inquiry Google ↗
- Submit a complaint · consumerfinance.gov
- Report a problem · reportfraud.ftc.gov
- FTC Staff Advises Automobile Dealers May Not Obtain Credit Reports on Consumers Out for a "Test Drive" · search.ftc.gov
- Advisory Opinion to Coffey (02-11-98) · ftc.gov
- Who can request to see my credit report? · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FTC Fair Credit Reporting Act permissible purpose dealership auto dealer credit report unauthorized hard inquiry consumer dispute CFPB OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB dispute unauthorized hard inquiry credit report FCRA permissible purpose auto dealer OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
New York Attorney General consumer complaint auto dealership credit report unauthorized credit inquiry OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |