Consumer complaint received 2018-03-15
Company: AMERICAN HONDA FINANCE CORP
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
ON XX/XX/XXXX, A HARD INQUIRY WAS MADE BY HONDA FINANCIAL SERVICES ON MY CREDIT REPORT. I DID NOT MAKE THIS INQUIRY NOR DID I AUTHORIZE ANYONE ELSE TO MAKE THIS INQUIRY. XXXX XXXX IN XXXX XXXX, MS WAS WHERE THIS INQUIRY TOOK PLACE. I SPOKE WITH GENERAL MANAGER AND THE FINANCE MANAGER AND BOTH AGREED TO HAVE IT IT REMOVED FROM MY CREDIT REPORT. ONE MONTH LATER IT WAS STILL THERE. I CONTACTED BOTH OF THEM AGAIN AND WAS INFORMED THAT ONLY HONDA FINANCIAL SERVICES COULD REMOVE IT, NOT THE DEALERSHIP. THEY GAVE ME A CONTACT NAME AND NUMBER. I CONTACTED SEVERAL DIFFERENT PEOPLE OVER THE NEXT 3 MONTHS. I FINALLY REACHED A MAN WHO SUPPOSEDLY WAS TOP OF THE FOOD CHAIN IN THAT DEPARTMENT. HE SAID HE WOULD TAKE CARE OF IT. I FOUND OUT THROUGH ANOTHER WOMAN IN HIS DEPARTMENT THAT HE DEMANDED HIS NAME AND NUMBER NEVER BE GIVEN OUT AGAIN. HE REFUSED AFTER THAT TO HAVE ANY CONTACT WITH ME. AFTER THAT ANOTHER WOMAN IN HIS DEPARTMENT TOLD ME TO CONTACT THE LEAD HONDA FINANCIAL SERVICES CUSTOMER SERVICE SUPERVISOR. HER NAME IS XXXX. FOR NOW. I SPOKE WITH HER SEVERAL TIMES IN XX/XX/XXXX AND SHE CONTACTED CORPORATE LEGAL IN CALIFORNIA. THEY TOLD HER TO CONTACT EACH ONE OF THE CREDIT BUREAUS AND HAVE IT REMOVED AND IF I HAD FILED A POLICE REPORT ( WHICH I DID XX/XX/XXXX ) TO SUBMIT THAT AS WELL AND THEY GAVE HER THE CODES TO USE SO THAT ALL 3 CREDIT BUREAUS WOULD COOPERATE. SHE DID NOT GET A RESPONSE FROM XXXX ... .THEY SAID THEY WOULD RETURN AFTER THE XXXX HOLIDAYS. XXXX WAS VERY RUDE AND TOLD HER THEY NEED A LETTER, A POLICE REPORT, ETC AND THEY WOULD NOT ACCEPT THE CODE TO REMOVE IT FROM MY REPORT. XXXX WAS UN-COOPERATIVE AS WELL. SHE SAID WE WOULD TRY AGAIN ON MONDAY, XX/XX/XXXX AFTER THE XXXX HOLIDAYS. I CALLED HER THAT MORNING AND STILL AS OF THIS DATE ( XX/XX/XXXX ), I STILL HAVE NOT RECEIVED ANY RESPONSE FOR THE 15 + CALLS I HAVE MADE TO HER. ON XX/XX/XXXX I CONTACTED CORPORATE LEGAL IN XXXX, CALIFORNIA AND SPOKE WITH SEVERAL LEGAL TEAM MEMBERS WHO ADVISED ME TO REACH OUT TO ( XXXX. ) CUSTOMER SERVICE SUPERVISOR AGAIN AND REMIND HER OF HER COMMITMENT TO HELP ME RESOLVE THIS ISSUE. I CALLED AGAIN TODAY, XX/XX/XXXX. I  LEFT A LENGTHLY MESSAGE AND STILL NO RESPONSE. I DO NOT KNOW WHAT ELSE TO DO. 
I DISPUTED THIS HARD INQUIRY WITH ALL 3 CREDIT BUREAUS AND THE LETTER I GOT BACK STATED THE INQUIRY WAS CONSIDERED FACTUAL AND ONLY THE CREDIT PROVIDER COULD REMOVE IT. 
THE GIRL IN THE XXXX XXXX MADE THE INQUIRY ON HER COMPUTER AT HER KIOSK. AT FIRST SHE DENIED IT THEN SHE SAID SHE DID IT AFTER GETTING MY HUSBAND TO GIVE HER MY SS # FOR IDENTIFICATION PURPOSES ONLY. NOT FOR CREDIT INQUIRY OR CREDIT WORTHINESS. I REPEAT I WAS NOT THERE. I HAVE NEVER BEEN THERE AND DID NOT AUTHORIZE THIS INQUIRY NOR DID MY HUSBAND. 
PLEASE HELP ME ... ... ... ... .I WANT HONDA FINANCIAL SERVICES/ AMERICAN HONDA FINANCE OFF MY CREDIT REPORT

Company response to consumer: Closed with explanation