I used a company called the XXXX XXXX to purchase some products. when I checked out ( using my credit card ) they offered me a service called XXXX pay. This service used YOUR credit card ( from another source ) and sets up XXXX equal payments. AT NO TIME did I give them my social security number or my date of birth etc or authorize ANY credit bureau to check my credit. Well XXXX DID run an inquiry as to my credit and now they refuse to remove it. Again please realize I never authorized this at all. When I called XXXX to complain the girl ( XXXX ) answering the phone stated it was only a soft inquiry. She then left a phone message ( which I saved ) stating that even SHE was unaware of the company practices as to credit bureau inquiries and she was sorry she had given me the wrong information.