Consumer complaint received 2020-04-15
Company: TD BANK US HOLDING COMPANY
State: CT
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:
XX/XX/XXXX at XXXX XXXX  I received a notification that a new hard inquiry was on my account from TDAF ( TD Auto Financing ) that I did not give any authorization for. Upon investigating XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX ) ran my credit through TDAF without my authorization. I visited the dealership on XX/XX/XXXX at XXXX to purchase a used XXXX XXXX XXXX XXXX XXXX  XXXX Miles VIN : XXXX Stock number : XXXX. I provided them with my own financing from XXXX  XXXX XXXX gave them the letter with the Application number and Policy number so finance dept can smoothly process the transaction and paperwork through XXXX  XXXX XXXX ONLY I stated at the dealership I do not wish to run my credit against any other entities as I do not want any unnecessary inquiries. Upon realization of whom could have possibly ran my credit I called the manager XXXX XXXX. where he stated " yes we did run your credit through another entity but it will drop off your credit report in 3 weeks '' I stated I did not authorize my credit to be run as I had previously discussed on XX/XX/XXXX between XXXX XXXX and XXXX that I already came with my own financing and have no wishes to run my credit for a chance at a better rate. manager stated this is normal everyday business we do this with all customers buying a car. I immediately called the credit bureaus spoke with representatives that stated this report will not drop off until XX/XX/XXXX. XXXX rep stated the manager at the dealership would be the only one who could get this removed. I called the manager XXXX XXXX back and explained I spoke with the credit bureaus and they stated the originator of the inquiry would be the only person to recall it as it was not authorized. the manager XXXX XXXX stated " well its already too late the credit has been run. there isn't anything I can about it. we can talk more about this when you come down to pick up the car you purchased what time are you coming Saturday? '' I explained to him you have to call TDAF back and recall the inquiry as it was not authorized and that I will be down Saturday morning if not sooner I will call ahead to let them know if I can come before Saturday '' he stated with an annoyed, irritated manner " okay ill call TDAF now '' and hung up with such haste with zero assurance he would handle this. He brushed me off during both conversations. they got the sale and they no longer care about the customer as they ran my credit without my authorization. then proceeded to lie stating the inquiry will fall off in a couple of weeks. after officially confirming with the credit bureaus that in fact is a lie. " If we can see it then its staying on there for a while unless they remove it. '' was stated by XXXX. I'm not asking for anyone to be in trouble I just want this to be rectified since it actually can be rectified. were all suffering with this pandemic and everyone is stressed. I'm aware of that 1000 % I was shocked to see the inquiry as I felt I could trust this dealership based on reviews and others raving about past experiences. just another XXXX Dealership letting down their customers. I am ultimately done with XXXX as an entity at this point. I've given them some time before submitting this issue here I want that to be known as well.

Company response to consumer: Closed with explanation