Customers must check credit report following federal investigation into Springfield dealership

SPRINGFIELD, Mo. (KY3) – This is the number one question KY3 received after a story we first reported on Friday. This is the owner of the used car dealership, who pleads guilty to wire fraud and identity theft. Customers ask, what should I do?

On Your Side has some answers.

“The guy was so nice. He put me at ease when buying the car,” said Bryan Fleming.

He bought a 2016 Nissan Altima from Queen City Motors. This was around the time federal investigators say Chris King took loan information from clients, applied for loans without their consent and pocketed a total of nearly $800,000.

To complete the loans, federal investigators say King used personal information such as names, addresses, Social Security numbers, birthdays and employment history.

“The first thing that came to my mind was that maybe he was using my information there,” Fleming said.

Fleming checked his credit report. So far, everything seems correct. Consumer experts say if you’ve applied for a loan from Queen City Motors, check your credit.

“Stories like these, crazy stories of identity fraud, they happen. That’s why it’s so important for people to stay on top of their credit report,” said Syed Ejaz of Consumer Reports.

You can check your credit for free at or through your credit monitoring service. If you spot a problem, file a dispute.

“Go through the dispute process,” Ejaz said. “Have all the documents you need to support your claim. See if you can get your credit report repaired. If that doesn’t work, file a complaint with the Consumer Financial Protection Bureau.

If you see an error that you think is fraud, report it to the police and follow these steps:

  • File a dispute with that credit bureau.
  • Type an official letter with supporting documents. Make copies for yourself.
  • Send it by registered mail.
  • Consider getting a credit monitoring service. Some are free. As always, check reviews. Read the fine print, because you’ll be giving up some privacy for convenience.

Customers may also consider freezing your credit. When you freeze, a line of credit cannot be opened in your name. Freezing is free. Consumers must freeze at each credit bureau.

Only do this if you don’t plan to take out a loan in the next few years.

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