Hello Dghor. I hope RobertEG reads your post and can advise you.
Note to anyone who doesn't want to read through every post on this thread. This is apparently a chronic problem. Several people are testifying to it happening. Some people who pull their full TransUnion report via ACR do not get a hard pull, but it has happened to a number of folks in the last year. In some case with very serious results -- e.g. damaging a mortgage loan app.
WHY DOES TRANSUNION "FREE" ANNUAL CREDIT REPORT SHOW AS A HARD PULL!!!???!! This has dropped my redit score! Do we have any recourse? Pulled my free credit report on 1/22/2018.
I have tried everything short of legal action. I would strongly recommended not using ACR for Transunion. Instead use CreditKarma for TU and Equifax. Save ACR for Expetian.
As I stated in the other replies, only use ACR for Experian. You can use CreditKarma for Transunion and Equifax. You also get a free monthly update. Other than short of taking legal action, everyone needs to complain with the Attorney General's office and BBB and the State if their corporate office. I will be doing this in a few hours right after work. Enough if the nonsense and poor customer service. The inquiry is inaccurate because it is coded as,a hard hit.
I went ahead & rewrote this post. I have been on the phone with a TransUnion Executive. I was told that the 2ND FA DISC inquiry was showing in their system as a soft inquiry. They are working to get to the bottom of this issue. It is possible that Annual Credit Report is possibly the problem itself or something else. I also mentioned many other consumers that have been affected. This issue that I have personally brought to the attention of the credit bureaus has the attention of the top executives at TransUnion . So they are going to get to the bottom of this. I took a photo of the web pages on my own account of MyFico, Credit Karma, & CreditWise through Capital One so that they can see this for themselves as evidence. I wanted to let everyone know that everything that can be done is being done by TransUnion. Even their legal team is a part of this problem solving process.