Why do I see a soft inquiry from SoFi on my credit report? I don’t have an active profile or account with you.

A soft credit pull may be used for marketing to potential consumers. Soft credit pulls will appear on your credit report but have no effect on your credit score. If you don’t want institutions like us to be able to pull soft credit for marketing purposes, you can either contact the credit bureau(s) directly to opt-out, or you can opt-out with all bureaus at once at https://www.optoutprescreen.com/. This will opt you out from not only SoFi but other institutions.