We have a situation where an indirect dealer took an app and sent it out to multiple FI's to find a creditor. The consumer's bureau shows a hit from us for the inquiry related to the credit application that was farmed out to us, which we denied. The customer sent a credit repair letter to us disputing the inquiry, and we referred them back to the dealer, stating we don't have the application and essentially can't help them in resolving the issue. This feels WRONG to me, but I'm struggling to find support that would be similar to our situation.
Don't we have an obligation to investigate and resolve the credit dispute, not send them back to the dealer? Is there any guidance available related to these scenarios?
Any help is appreciated!