Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: KEYCORP (MI)

On   XXXX   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 time for the loan. I received my Pre approval letter from   XXXX   XXXX   XXXX   with a loan on   XXXX   on   XXXX   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  XXXX . 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  XXXX  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   and  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   XXXX    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   XXXX   other Inquiries made on   XXXX   XXXX  , came from   XXXX   XXXX   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   XXXX   XXXX   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   XXXX   XXXX   saying I had been denied a loan for the amount of the vehicle I purchased from   XXXX   XXXX   XXXX  . I have not ever applied for a loan from  XXXX , and it was made the same day the   XXXX   XXXX   XXXX   and one other loan had been put on my credit report (   XXXX   total, on   XXXX   XXXX   ) I am still expecting to receive a denial letter from the third bank I never applied for as well.
I have repeatedly asked   XXXX   XXXX   XXXX   to try to dispute those three inquiries made on   XXXX   XXXX  , but 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  XXXX  and they could n't help because it happened at the dealership, and I have n't contacted Key bank because of lack of contact information.