Consumer complaint received 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On or about XX/XX/XXXX, I called a local XXXX location ( XXXX XXXX, FL ) to inquire about their financing procedures. I had previously purchased a car from XXXX in Illinois in XX/XX/XXXX and it was a pleasant experience so I wanted to see what was available from them in Florida. I called the local dealership and was connected to a salesman and I explained XXXX him that not would not be ready to purchase a vehicle for about 6 months but I wanted to know what I might expect. He told me I needed to go online to their website and give my information to get me into their system so his very experienced manager could give me some information on qualifications. He promised no hard credit pulls and said they do soft pulls every day to somewhat pre-qualify potential buyers. HE LIED!!!! 

In XX/XX/XXXX, I was ready to purchase a car, and when applying for financing I was blown away when I found out that XXXX made numerous Hard Pulls in XX/XX/XXXX of that year. I called XXXX immediately and the salesman was no longer employed by them, but I did buy a car from another dealer at that time as stated and easily proven. 

The following is a list from all three credit bureaus : XXXX  : XXXX/XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XXXX and Capital One Auto Finance ( COAF ) on XX/XX/XXXX and XX/XX/XXXX. 
XXXX  : XXXX XXXX on XX/XX/XXXX and Capital One Auto Finance ( COAF ) on XX/XX/XXXX and XX/XX/XXXX. 
XXXX : XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX and Capital One Auto Finance ( COAF ) on XX/XX/XXXX and XX/XX/XXXX. 

It has been over a year now that I have been disputing the numerous hard credit pulls from XXXX- XXXX XXXX that still remain on all 3 major  credit bureau agencies in my name. Countless calls to the credit bureaus, ( XXXX, XXXX and XXXX ) that will not allow me to dispute these inquiries, as that can only be done by the company that pulled them ... XXXX. 
I have also called some of the financial institutions XXXX used including Capital One Auto Finance, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. These lenders have told me the same as the credit bureaus, that only the company that pulled them in error can remove them ( XXXX ). 
I have called XXXX literally dozens of times since XX/XX/XXXX.  Despite these many calls and many hours with the dealership and all the way up the ladder to corporate, these hard pulls still remain today and hurt my credit appearance and scores on ALL 3 credit agencies. 
I finally got connected to XXXX XXXX, a Credit Executive at XXXX Corporate who promised to help me end this nightmare and clear things up back in early XX/XX/XXXX. I have signed and returned the document they provided to me 4 times by fax. I followed up numerous times to their office and they swore it was being corrected. 

To date, nothing has been done.

Company response to consumer: Closed with non-monetary relief