scoresense scam, unauthorized debit Internet

i noticed an unauthorized debit from my checking account in the amount of $29.95 from scoresense.  i have since cancelled that auth.

yet i never signed up with scoresense.  my wife did, without informing me. 

here's the point: from what i understand, a credit request--in this case, equifax (i think)--can be made for free, as long as it was a first-time request.  no other requests have been made.

my estranged wife did this one time.  with my banking account info.  but she was never read the terms and conditions of enlisting.  (despite our problems, if my wife says something like this, it's the truth.  i mean, gospel truth.)

this all may seem rather confusing--and i don't have more time to devote to this matter--but i am beyond enraged by this episode.  and, as you may think, you probably may understand who gets blamed for this debacle.  and it isn't equifax, scoresense, etc.