My husband purchased a truck from a local auto dealership, only under his name. I did not sign anything or give my ss# or permission. I then received a letter from Bank of American stating The dealership ran my credit. I confronted them and flat out lied to me.
It is possible to sue under the Fair Credit Reporting Act in such a situation. The issues will be whether they claim your husband gave them permission to run your credit and whether he had apparent authority to do so. If he did not, they should not have run your credit, but car dealers are not always honest, and may claim they had permission, leading to a he said, she said type dispute. I suggest speaking to a consumer protection attorney who handles FCRA cases about the specifics of what happened. Most will provide a free consultation and take this type of case on a contingency basis.
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