Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
on XX/XX/year> i went to a dealership to finance a car. when i got there the salesman who assisted me informed me that they had sold the car i was initially interested in, but they couldnt tell me when. they told me they had one other similar car that they could show me same year make and model but it was {$2000.00} more due to some previous detailing they had done to the car. i was skeptical from then, but i just figured i would try and talk down the price. but no matter what they just kept stacking the add ons and warranty to the price. i asked them to run my credit internally however while at the dealer i kept getting notifications for multiple inquiries on my credit. Not only that but i ended up leaving the dealership because the salesman who was assisting was not being truthful about how many times the ran my credit. So i called in and spoke with a XXXX  XXXX rep to inquire about the actual details and rates they approved me for since that was XXXX of the notifications i received about an inquiry on my report. The rep advised they applied a higher interest rate then what i was approved for, and when processing the credit check they ran it with almost {$7000.00} worth of add ons and warranties which i had previously declined. Also on XX/XX/XXXX i got an email notification that the car i initially went in for had been auctions or sold, which explains the car was still available when i went in to the dealership they just lied trying to sell me a higher priced car, that was the same year, make, and model. As well as warranty would have still covered the vehicle for some time but the vehicle they were trying to sell me had exceed the manufacturer warranty. Due to the information i obtained i didnt not end up purchasing a vehicle with XXXX XXXX XXXX I went in to the dealership for a vehicle and i left feeling mislead and empty handed. i dont feel its fair that i should have to be left with multiple inquiries on my report that i did not authorize especially when nothing good comes out of it. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 TD AUTO FINANCE ( XXXX ) XXXX, XXXX XXXX  ( XXXX ) XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation