I was considering refinancing my home and entered my information online to have various mortgage companies contact me. One that did was First Direct Lending in XXXX, CA. When they called, I spoke to a person named XXXX XXXX While attempting to get the rates I would qualify for, XXXX said the only way that he could provide those rates was to do a " soft credit '' check with XXXX credit bureau. I inquired as to what that is and how it would affect my credit score ; he said it would not affect it because it is treated as an " inquiry. '' Therefore, the only way for me to get this rate was allow XXXX to do the " soft check. '' After receiving the rate, I told XXXX I would think about it and that was the end of my contact with XXXX and First Direct Lending. 
ON XXXX/XXXX/2015, I received a letter dated XXXX/XXXX/2015 titled " Statement of Credit Denial, Termination, or Withdrawal. '' I did not understand why I received this letter because I did not apply for credit or the mortgage loan ; again, it was only a " soft check '' per XXXX. 
I have called XXXX at First Direct Lending several times without a response back. On XXXX/XXXX/2015, I spoke to the receptionist and told her my situation and that XXXX was not returning my calls. She then transferred me to a person named XXXX. I also left a voicemail and never received a response. 
I am concerned for a number of reasons with the first being the damage to my credit score because of the denial of credit that I never applied for to begin with. Second, is the fact that I was lied to about the " soft check '' by XXXX. 
