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Fraudulent Chase Application - Removing Hard Inquiry

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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.

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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.

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