there are XXXX hard hit credit inquirys by bank of america on my credit report. I DID NOT AUTHORIZE THEM.XXXX of the hits were on the same date! XX/XX/XXXX. on my transunion credit report bank of america had hard hits on XX/XX/XXXX ( XXXX ) XX/XX/XXXX and XX/XX/XXXX. I had been contacted by the bank regarding my equity line of credit that had a balloon payment coming due in XX/XX/XXXX. I paid off the loan on XXXX XXXX with funds from my IRA.I had inquired at bank fo america about their rates but I never authorized a hard hit credit report.In fact I was very clear and stated that I did not want a credit report pulled. landsafe credit ( a company that is affiliated with bank of america ) pulled a hard hit credit report on XXXX. there is no reason that XXXX hard hits from the same bank should have been pulled against my report on the same date! the bank was informed that I was going to pay off the loan in novemeber. I contacted them to get the payoff figure. They pulled another hard hit report on the day before i paid the loan off. This is unacceptable. The hard hits have caused my score to be negatively impacted and my insurance rates for my XXXX auto policys and XXXX property policys and XXXX umbrella policy to be higher than they should have been for the past 2 years. XXXX policys at aprox XXXX more per year that I was charged because of the lowered score times 2 years is XXXX that I was financially penalized because of casual policys at the bank to pull peoples credit reports. Once again I wanted to state I was very clear when I contacted the bank that I did not want my credit pulled and I was only contacting them for information ... NOT to make application. They wanted me to modify my loan. After I did my research and was told by the bank that I should stop making my payments on the loan to qualify for the loan remodification I was appalled. over 6 years ago I had XXXX credit card that XXXX missed a XXXX payment due to being ill and the bill getting lost in the shuffle. other than that I have always paid my credit card bills and house loans in full and on time. ( credit card with visa has been paid monthly on time and in full since XXXX ) anyways to be told not to make the house payments to " qualify '' fro a loan was something I was not going to do. From the dates you can see they pulled XXXX credit reports in less than 17 days is unacceptable. pulling a credit report the day before I paid off the loan is unacceptable. I am asking that the XXXX hard hit inquirys be removed immediately. Thank you XXXX XXXX 
