Dear CFPB, Since last year I have been actively monitoring my credit report for fraudulent activity and have signed up with XXXX XXXX, XXXX XXXX, and XXXX XXXX. I recently did some loan shopping but only with lenders that guaranteed a " soft pull '' on their website and was confirmed on the phone which guarantees the inquiry is not shared with others and has no effect on your credit score. Recently there have been some hard credit pulls on my file with Experian by companies who are subscribers of which I only recognize XXXX of them and the third is unknown to me. There is some serious lack of transparency by Experian and the agencies who promise and indicate " soft pulls '' and it then shows up as hard inquiry. This is misleading and Experian has shared responsibility in letting this happen since they are making money by supplying the information. I 'm fully aware of the regulations and terms of the FCRA federal regulations and a " soft pull '' that suddenly becomes a " hard pull '' without strict authorization does not contain permissible purpose. I do n't care who they are I demand the immediate removal of these hard inquiries. I have been misled and tricked into hard credit inquiries and hold Experian responsible. The analysts at Experian should develop a method or code which generates a text or email for verification of the hard pull. 
Sincerely, XXXX XXXX XXXX 
