Mortgage Broker Ran My Credit w/o Permission

[Yeng Hawj]

Hi BP Community,

Ok so, the mortgage broker that helped me a couple years ago with lending on my current home contacted me to see if I was interested in refinancing.  I told him I was interested and to send me the numbers.  He asked about my current income and credit situation which I answered.  He sends me the estimate with potential savings and cost of the refinancing not long after the conversation.  A couple months go by after that and with being busy I forget to follow through with submitting docs.  He calls again last week to ask if I was still interested, I said YES.  With new rates now, I wanted to see if the numbers has changed.  So he sends me the new estimate along with a document to authorize a credit inquiry that had been done when he had first talked with me.  That took me by surprise because I never authorized him to pull my credit.  I call to ask him about it and he said he admitted he did pull it but it may have just been a misunderstanding.  He calls me back and says that he'll be willing to waive the $200 notary fee for his mistake, which he stated was standard in all refis.  I told him thanks and I'll consider it.  This just doesn't sit well with me and I am considering not going through with him on this refi.  I want to get your opinion on this matter and whether the broker did anything unethical and/or illegal.  TIA.