Credit reporting or other personal consumer reports — AC AutoPay LLC, Denver, CO Branch (NM)

Credit inquiries on your report that you don't recognize. On XXXX XXXX XXXX, I was looking through an article on XXXX that reviewed a company called AutoPay. In this review, it was stated that AutoPay will contact many lenders and request a soft inquiry so that I might be offered a refinance auto loan. The article explictly stated that there would not be any hard inquiries unless I accept an offer. That same day, I received an alert that XXXX XXXX had submitted a hard inquiry through XXXX. At no point throughout the application did I give consent to allowing a hard inquiry on my report. I never accepted any offer from anyone. I immediately froze my credit on all three bureaus to prevent further errors. Since then, I have contacted AutoPay, who have allegedly closed my application.