Dishonest Banker?

[Christopher Johanson]

Today I went with my girlfriend to a bank to talk to them about a mortgage. They asked about our credit and we said we've been working hard to keep it perfect, and they asked if they could look at it.

I specifically asked them whether or not it would appear as a soft inquiry or as a hard inquiry because we're watching our credit numbers like crazy, and hard inquiries have a negative impact.

He assured us that it was a soft inquiry and that there would be no effect.

As soon as we arrived home, both of us received notifications via email that our credit had dropped 6 points, and that a new hard inquiry had been added.

Is this kind of dishonesty just accepted? Is there legal action to be taken? I've been told disputing it is out of the question with the credit beareaus