XXXX XXXX and XXXX pulled my credit without authorization and has lowered my Credit Score and prevented me from receiving a much needed loan with XXXX XXXX to expand my business. This intentional error in reporting and unauthorized inquiry has caused me monetary harm and inflicted undue stress and embarrassment to my family. Further we due to the nature of the inquiry we believe that the reason for this action was punitive in an effort to lower our credit scores to make us pay more for a loan with a different contractor. 

I was approved for a loan by XXXX in XXXX. The loan had a window of six months to add the costs of the project into the loan before it closed. XXXX did not complete the project in time and when they finally finished the loan had been closed to any more charges. So at that point and without our permission, written or otherwise, XXXX and XXXX decided to create a new loan account without authorization. At that time BOTH XXXX and XXXX pulled a copy of my credit report. This was a full seven months after we agreed to be considered for the first loan by XXXX, NOT XXXX. We were not contacted other than to tell us that a new loan have been made and our old account had been closed. 

I received notification through Experian credit watch tool that XXXX had ran my credit. I contacted XXXX about it and they basically told me to contact the credit reporting agency and they would remove the inquiry as they had made an error. As for XXXX they just automatically did a hard inquiry as though I had authorized them to create a new loan, I had not. 

This is unfair, punitive, and mindless assault on my family 's credibility and financial well being. I want those inquiries removed and the damages incurred remedied. 
