XXXX, Experian, XXXX all are treating three hard inquiries as THREE hard inquiries when they were within 45 days of each other, and were ALL related to shopping rates for a single mortgage refinance. Two were XXXX and one was XXXX. XXXX XXXX, XXXX and XXXX XXXX, XXXX for XXXX and XXXX XXXX, XXXX for XXXX. These are supposed to be treated as one inquiry.