A hard inquiry can be seen by anyone that pulls your CR.......and yes, too many hard inquiries can impact your score.
A soft inquiry can only be seen by you and does not impact your score at all.
Nitro - I just disputed by saying I did not authorize the inquiry.
Jemelton - You can dispute online through the EQ website. If you have been denied credit or are possibly a victim of ID theft/fraud.......you can get a free report.
