Dear Customer, My name is XXXXX XXXXX I would like to help in any way I can,
I am sorry you are having this trouble with BMW,
"1) The lease contract states "BMW Financial and Financial Services Vehicle Trust" as the lender and no one else, can they switch the lender without me signing another contract and/or running my credit again?
If your Agreement with the BMW dealer specifies that the financing will be from "BMW Financial and Financial Services Vehicle Trust as the lender, then the dealer cannot unilaterally change or amend the Agreement by substituting another lender without your written consent;
You also asked,
2) Do I have a legal obligation to unfreeze my Experian credit?
You do not have a legal obligation to "unfreeze" your Experian Credit Report, If, however, the language in the Agreement you signed with the dealer states that in order to obtain BMW financing, a credit report from the three major credit bureaus is required, then although you do not have a legal obligation to "unfreeze" your Experian Credit Report, you will be in default of the Agreement by not providing access to all three of your credit reports;
And, lastly, you asked,
3) Can I just walk away from this lease?
Without knowing what the Agreement states with regard to the dealer's ability to access your credit report from all three credit bureaus, it would be impossible to say whether you could walk away from this lease. Whether or not you can walk away from this lease depends on what your obligations are under the Agreement, specifically access by the dealer to your credit report from all three credit reporting bureaus. If the Agreement is silent on your obligation to give the dealer access to your credit report from all three credit reporting bureaus, and the dealer does not provide financing through BMW with the two credit reports he already has, then you could probably walk away from this lease. It all depends on what your obligation is as outlined in the Agreement,
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