<prompt> Human: First time poster here. I recently got a credit alert that a credit card was opened up. I dont use credits cards and have never applied for one. After a few hours on the phone and being transferred a million times I was able to cancel the account and after I jump through a bunch of hoops itll be taken off of my credit score. I started looking further into my credit hystory and discovered that the same same company made a hard inquiry last year and 2 more companies made hard inquiries a few days ago. I didnt do any of this and have no idea howwho is making all these hard inquiries on my account but its really messing up my credit score!! Its already dropped 20 points within a week. Has someone stolen my information and is trying to open up a bunch of accounts in my name? How do I stop this because there is no information on the hard inquiries except the names of the company.  <response>: If you did not authorize hard inquiries, you can have them removed by writing a demand for removal letter to the CRA. 