cancel
Showing results for 
Search instead for 
Did you mean: 

Fraudulent Chase Application - Removing Hard Inquiry

tag
Dennis885
Contributor

Fraudulent Chase Application - Removing Hard Inquiry

On July 16th someone fraudulently applied for a Chase business credit card using my info.

 

I received a notification from Experian of the hard inquiry almost immediately.   I contacted Experian and Chase  and the hard inquiry was removed within 24 hours.

 

A few days later, a hard inquiry appears on my Transunion report from the same fraudulent application.  I called Chase again who informs me they've marked it as fraudulent and notified the credit bureaus.   They tell me it will take 60-90 days for the inquiry to go away.   I called Transunion who said the only faster way would be to file a fraud report and send them the report and a request for removal. 

 

Is this just a difference between credit bureaus or am I missing something here?  24 hours with Experian vs up to90 days with TU seems pretty drastic. 

2 REPLIES 2
AndySoCal
Senior Contributor

Re: Fraudulent Chase Application - Removing Hard Inquiry

@Dennis885  I would freeze your credit reports. I would also change passwords on all financial accounts and email. Someone or ones has your information.

FIC Scores XPN v8 808 V2 831 (SDFCU) TUC V 8 803 03/25 EFX Bankcard v8 822 EFX FIC0 v8 800 Vantage score 4.0 817 via JC Penney )
JC Penney 10/2008 4700, US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 20,000 06/2023 , 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Langley FCU Signature Cash Back Visa 10000
Banking: Langley FCU Credit Unions: Lafayette FCU Fortera FCU State Department FCU Pelican State CU Red-stone FCU Hughes FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO
Message 2 of 3
Dennis885
Contributor

Re: Fraudulent Chase Application - Removing Hard Inquiry

First thing I did was freeze all 3 and enroll in fraud alert.

 

Passwords are next.   I also deleted some incorrect phone numbers, one of which was on the application.

Message 3 of 3
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.