dispute unauthorized credit inquiry
https://alpha-wiki.win/index.php/How_to_Fix_Credit_Report_Mistake_Fast:_A_Step-by-Step_Guide
I had to dispute an unauthorized credit inquiry after noticing a hard pull on my report that I didn't authorize. It turned out to be a mistake by a car dealership, but it still dinged my score. I wrote a letter to the credit bureau explaining the error, and they removed the inquiry within a month.