Consumer complaint received 2017-06-09
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
O n  XX/XX/XXXX ,  I began an application for an auto loan with  XXXX   XXXX   XXXX . I had previously shopped around for good rates and the best offers from banks and credit unions because I only wanted my credit ran  the one t ime for the loan. I received my Pre approval letter from  XXXX   XXXX   XXXX  with a loan on  XXXX  on   XX/XX/XXXX .  I began my car search and came into multiple dealerships with my preapproval letter. Within these visits, I turned down vehicles because they did not fit into my loan amount. I was offered numerous times to run my credit again to see if I could get a higher loan. I then refused, stating that I did not want my credit ran again because it will knock my credit and I want to do my loan through   XXXX   and  XXXX  only. After hearing running my credit would be my only option, I left the dealership because once again, I did not want my credit ran again. The said dealership is  XXXX   XXXX  in  XXXX , MI and I 'm sure they can attest to how persistent I was on to not run my credit.   After I turned down that offer I went to    XXXX   XXXX   XXXX   XXXX   XXXX    in  XXXX  MI. I found a vehicle I loved, had great service, and all in all a good car buying experience.   When I was at the dealership I purchased my vehicle through  XXXX  at the price of {$23000.00}. After I finished speaking to my salesman, he referred me to the finance department to finish paperwork. While I was in there I provided my preapproval letter through Honor. At the time I had mentioned once again that it was the only bank I wanted to go through. He began asking questions that sounded much like a credit application to me, so once again I stopped him and confirmed to that I had already had my credit ran and Honor was the only bank I was going through. He reassured me it was just questions that had to be asked again to make sure all the information between   XXXX   XXXX   XXXX   XXXX   XXXX   matched. He even called   XXXX   on speaker in the room so we could confirm the paperwork went through and that my interest rate was correct. We proceeded to finish the paperwork.   At both dealerships I did have someone with me and can witness my reoccurring statement of not having my credit ran.   A few days later, I began receiving emails that my credit had a few hard inquires. I looked them up and saw that  three  had been added regarding loans I had not applied for nor did I give permission for my credit to be ran to apply for them . One of  the creditors that showed up was from  XXXX   XXXX   XXXX , who had assured me they were not running my credit again. No one aside from   XXXX   XXXX   XXXX     and  XXXX   XXXX   XXXX  had my information to run my credit so I know that the  two  other Inquiries m ade on  XX/XX/XXXX ,  came from   XX/XX/XXXX .    Once I saw these inquiries, I immediately contacted  XXXX  and discussed with them how my credit was ran without my permission. They were very helpful and immediately started working towards resolving this issue because they know that I only applied through them as well. I also called  XXXX  &  XXXX  finance department and left a voicemail for the man that finished my paperwork. About a week went by and I received no correspondence from them. I then decided to go a step further and then emailed the president of  XXXX   XXXX   XXXX . A day later received an email, not from the president, but just another employee I imagine. I asked if they could please have my credit inquires from them disputed because I did not give them permission. I received no response. I emailed them back and asked them to respond or I would have to dispute the charges against them on my own. Although I did get a response shortly after, it was just a denial that they had ran my credit without my permission and that they have the right to do so. I corrected them, saying I understood that they could check my credit with  XXXX  but not run it through other banks and apply for loans I did not need without my permission.   I have n't received word back yet.   A few days later I received mail from Huntington Bank saying I had been denied a loan for the amount of the vehicle I purchased from  XXXX  &  XXXX . I have not ever applied for a loan from Huntington, and it was made the same day the    XXXX   XXXX   XXXX   and one oth er loan had been put on my credit report  ( 3 total, on  XX/XX/XXXX  ) I a m still expecting to receive a denial letter from the third bank I never applied for as well.   I have repeatedly asked  XXXX  &  XXXX  to try to dispute those  three  inquiries made o n XX/XX/XXXX , b ut I 'm afraid it is being pushed aside and not being taken care of. They have now repeatedly stated that they only ran it through one bureau and I have told them repeatedly that that was not my problem, and the problem is that they had applied for loans in my name that I did not give my permission to.   Even though they have been fraudulent and are still denying running my credit, I still only ask that the inquires be removed as that was my only concern all along.   I 've called Huntington and they could n't help because it happened at the dealership, and I have n't contacted   XXXX   XXXX   because of lack of contact information.

Company response to consumer: Closed with explanation