Dealing with criminals can be difficult. They might claim that you damaged the car, even after you take the car back. I would file a complaint at www.bbb.com

Be sure to tell the BBB what you want and tell them that the dealership altered your credit application without your permission.

It seems like the sales people think that you are a pushover. You have the right to stand up for your rights as long as you don�t violate the other people�s rights. If they see that you are assertive and stand up for yourself then they will respect your rights more.