Credit reporting, credit repair services, or other personal consumer reports — Byrider Franchising, LLC (IL)

Credit inquiries on your report that you don't recognize. On XX/XX/XXXX i received a notification from my credit card company as well as XXXX XXXX that a " Hard Inquiry '' was done on my credit report. It's been almost 4 years since i purchased a car from the CNAC finance company and since I've worked with them i have not authorized the company to pull my credit report to purchase a new vehicle. I called into CNAC and they have no knowledge of anyone pulling my credit report and said that they would need my authorization to access my credit. The hard inquiry has lowered my credit score and i have not been able to get an answer as to why a credit check was done without my permission.