I was sold a Timeshare in XXXX XXXX NJ at the XXXX XXXX through a company doing business as XXXX. Subsequent to the agreement, I had an issue where my wife took ill and needed surgery. Since she is the primary income provider, I found myself unable to meet all of my obligations. I determined the Timeshare was an unneeded expense so they were not paid. They started harassing me. I looked into this whole timeshare issue and found out that my membership was nothing more than a source of income for the Hotel, that if I were to simply reserve a room through the Internet at the exact same location, it would cost me less than HALF what I pay annually in Maintenance fees and taxes. When they called back after I discovered this, I informed them that I was misled and refused to pay any more into this unless they could prove to me any sort of value in what I purchased. They have since then threatened me with legal action, including Check Fraud and when I informed them that their threats were in fact a violation of the Fair Debt Collection Act, they stopped the calls but now have started doing " Hard Inquiries '' into my credit, XXXX on XXXX XXXX 2015 and the latest on XXXX XXXX 2015. I called TransUnion and they informed me that the only way to get these unauthorized inquiries removed was to contact XXXX in writing and ask them to allow the inquiries to be removed. I find this totally unfair and as I understand, illegal as I have not authorized these multiple inquiries into my credit and as a result have suffered a XXXX point drop in my credit score. I ask for your assistance in getting this unfair practice stopped and that XXXX be ordered to cease and desist from these practices. This is nothing more than a scam in my opinion and their utilization of these tactics to damage my credit score nothing more than a form of extortion and needs to stop now. Thank you.