That doesn't sound right to me. Some one can make a random mistake put in some random person's SSN. Or someone can fradulently do that too. And you're telling me the victim has to suck it up? 
Of course my father made that mistake and another inquiry won't ruin my day, but what you descibed is just bad business if it's true ....
@Anonymous wrote:
@Anonymous wrote:So my father decided to apply for a Chase CSP, but instead of putting in his SSN he mistakenly put mine in. He already called in and had them cancel that application, but they said they cannot remove the inquiry because someone submitted it, so it wasn't an error from their side and there is nothing they can do about it. That sounds full of s**** to me, they can remove anything whenever and wherever they want.
Anyways, I am waiting for the inquiry to show up on my reports. What do you think I should do about this? Would Experian remove it for me?Experian won't remove. Only entity that can remove it is Chase and it's not likely they will.
@Anonymous wrote:That doesn't sound right to me. Some one can make a random mistake put in some random person's SSN. Or someone can fradulently do that too. And you're telling me the victim has to suck it up?
@Anonymous wrote:
@Anonymous wrote:So my father decided to apply for a Chase CSP, but instead of putting in his SSN he mistakenly put mine in. He already called in and had them cancel that application, but they said they cannot remove the inquiry because someone submitted it, so it wasn't an error from their side and there is nothing they can do about it. That sounds full of s**** to me, they can remove anything whenever and wherever they want.
Anyways, I am waiting for the inquiry to show up on my reports. What do you think I should do about this? Would Experian remove it for me?Experian won't remove. Only entity that can remove it is Chase and it's not likely they will.
I'm sorry that it happened but it wasn't fraud that caused the mistake. Chase can remove the inquiry if they choose but there is no way that Experian will remove it if you dispute it. You asked the question and I'm giving you an answer. All I can do. As the above poster said about the only chance of getting it removed is thru Chases's EO.
@Anonymous wrote:
@Anonymous wrote:That doesn't sound right to me. Some one can make a random mistake put in some random person's SSN. Or someone can fradulently do that too. And you're telling me the victim has to suck it up?
@Anonymous wrote:
@Anonymous wrote:So my father decided to apply for a Chase CSP, but instead of putting in his SSN he mistakenly put mine in. He already called in and had them cancel that application, but they said they cannot remove the inquiry because someone submitted it, so it wasn't an error from their side and there is nothing they can do about it. That sounds full of s**** to me, they can remove anything whenever and wherever they want.
Anyways, I am waiting for the inquiry to show up on my reports. What do you think I should do about this? Would Experian remove it for me?Experian won't remove. Only entity that can remove it is Chase and it's not likely they will.
I'm sorry that it happened but it wasn't fraud that caused the mistake. Chase can remove the inquiry if they choose but there is no way that Experian will remove it if you dispute it. You asked the question and I'm giving you an answer. All I can do. As the above poster said about the only chance of getting it removed is thru Chases's EO.
Thank you for your help. I thought about it and I decided to go ahead and apply. A HP is a HP. Chase appoved me. So I guess it came out alright.
About disputing. Here's my train of thought. Assuming my father didn't realize the mistake, and assuming he didn't tell me. A couple of days later, I would see a new inquiry on my Experian report. I would panic, put on fraud alert and everything. And of course, dispute that inquiry for a simple reason "I didn't apply". Do you think Exeprian would respond "hey sorry, you need to contact Chase for that" or "hey sorry, you have the same last name as the person and had the same address 10 years ago, so there is nothing we can do, even though the name and address didn't match with the SSN on file" or "hey, sorry, we found out that person called Chase and told us it wasn't fraud but a honest mistake by that guy, so joke on you and there's nothing we will do for you"? thank you for your help again, and I appreciate it, but I can't understand the logic behind it.
@Anonymous wrote:Hah, glad that it worked out and you got the CSP. Hopefully your dad will get approved if he goes ahead and tries again.
I understand what you're thinking but credit reporting agencies are just that, reporting agencies,so when a report of an inquiry is given to them by a creditor there is no way they can remove it if the creditor says it's a legitimate inquiry. Disputes are for inaccurate information and technically this wasn't inaccurate. Your dad used your SSN and submitted the application. The only response you would get from EX would be to contact Chase. In cases of fraud that's why they have specific laws regarding identity then that forces the CRAs to remove accounts and inquiries after a person follows the guidelines for reporting identity theft
Now work on meeting the spend requirement so you get the 40K points
Thank you for explaining. I will keep that in mind. Turns out the dispute system is more complicated than I thought.
I am putting together a solid plan for that $4k spend and how to use these sweet UR points
@Anonymous wrote:
@Anonymous wrote:Hah, glad that it worked out and you got the CSP. Hopefully your dad will get approved if he goes ahead and tries again.
I understand what you're thinking but credit reporting agencies are just that, reporting agencies,so when a report of an inquiry is given to them by a creditor there is no way they can remove it if the creditor says it's a legitimate inquiry. Disputes are for inaccurate information and technically this wasn't inaccurate. Your dad used your SSN and submitted the application. The only response you would get from EX would be to contact Chase. In cases of fraud that's why they have specific laws regarding identity then that forces the CRAs to remove accounts and inquiries after a person follows the guidelines for reporting identity theft
Now work on meeting the spend requirement so you get the 40K points
Thank you for explaining. I will keep that in mind. Turns out the dispute system is more complicated than I thought.
I am putting together a solid plan for that $4k spend and how to use these sweet UR points
Yeah, dispute system is bit different than what a lot of people think.
The UR points are fantastic. Good luck and enjoy the card. Certainly one of the better ones out there.
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:Hah, glad that it worked out and you got the CSP. Hopefully your dad will get approved if he goes ahead and tries again.
I understand what you're thinking but credit reporting agencies are just that, reporting agencies,so when a report of an inquiry is given to them by a creditor there is no way they can remove it if the creditor says it's a legitimate inquiry. Disputes are for inaccurate information and technically this wasn't inaccurate. Your dad used your SSN and submitted the application. The only response you would get from EX would be to contact Chase. In cases of fraud that's why they have specific laws regarding identity then that forces the CRAs to remove accounts and inquiries after a person follows the guidelines for reporting identity theft
Now work on meeting the spend requirement so you get the 40K points
Thank you for explaining. I will keep that in mind. Turns out the dispute system is more complicated than I thought.
I am putting together a solid plan for that $4k spend and how to use these sweet UR points
Yeah, dispute system is bit different than what a lot of people think.
The UR points are fantastic. Good luck and enjoy the card. Certainly one of the better ones out there.
I'm curious, why do you think a parent submitting an application with their child's social (albeit an accident in this case), isn't fraud?
While I'm glad it worked out for the OP (CONGRATS!!), I believe they also had the option to dispute the inquiry. S/he didn't submit the application thereby authorizing the inquiry, so that should still count as "fraud."
