Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I am writing to formally file a complaint against XXXX of XXXX regarding their unauthorized credit checks that were conducted without my permission and resulted in multiple hard inquiries on my credit report. These inquiries have caused significant damage to my XXXX XXXX, making it difficult for me to apply for any other lines of credit. Additionally, I would like to emphasize that XXXX of XXXX had no valid reason to run these credit checks, as I already had a payment arrangement with my bank for the transaction in question. 

XXXX. Background : On [ insert date ], I visited XXXX of XXXX to inquire about purchasing a vehicle. During my visit, I was not clearly informed or given my consent for them to run a credit check. However, XXXX of XXXX proceeded to run my credit report, resulting in XXXX hard inquiries being made on my credit file. These inquiries have caused a substantial drop in my XXXX XXXX, which has directly impacted my ability to apply for other lines of credit. Furthermore, I would like to clarify that I did not require a credit check because I had already arranged for payment through my bank for the vehicle purchase. The payment was already secured, and I was under the impression that my credit would not be run, as there was no need for further financing or credit approval in this instance. Despite this, XXXX of XXXX ran my credit without permission, which I believe was unnecessary and unjustified. 
Legal Violations : Violation of the Fair Credit Reporting Act ( FCRA ) : FCRA ( 15 U.S.C. 1681b ) clearly states that a consumer 's credit report may only be accessed with the consumers written permission or under specific permissible purposes such as for credit transactions initiated by the consumer, employment, or legitimate business need. In my case, there was no reason to run my credit since I had already secured a payment with my bank. 
Under FCRA Section 1681b, a hard inquiry is only allowed when a consumer has provided express permission. Since I did not give XXXX of XXXX authorization to run these credit checks, the inquiries were unauthorized and a violation of FCRA. 
FCRA Section 1681i gives consumers the right to dispute inaccurate or unauthorized information on their credit report. The multiple hard inquiries made by XXXX of XXXX were unauthorized, and I request their removal from my credit report. 
Violation of the Fair and Accurate Credit Transactions Act ( XXXX ) : FACTA ( Section 609 ( a ) ( 1 ) ) requires that consumers be informed of any credit inquiries made, and that these inquiries must be legally permissible. Since I did not need credit approval and had already arranged payment through my bank, these inquiries were not permissible under XXXX. 
Violation of the Consumer Credit Protection Act ( CCPA ) : Under CCPA, creditors are required to act in a fair and responsible manner when using consumer credit information. Unauthorized credit checks, especially when there was no need for them, are considered unfair and deceptive practices that are prohibited under the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation