You definitely want to be on top of this. It is possibly a case of fraud. If so, you want to find out how this occured. There are options that be put in place to keep anything else from happening in the meantime, like a freeze on your credit.
At a loss right now since Chase themselves cant even explain how it occurred 
@Marcos8 wrote:Just to update...I call Chase again this morning to see if anything has changed or become visible in their system since last night. Both the credit bureau department, and the security department cannot find any requests of any kind against my social security number. They are convinced that no new account has been attempted to be opened in my name at this time. Even if the application wasn't approved and still pending ( like what happens with Chase a lot) they'd be able to see it...and they can't see anything.
The he credit bureau rep once again called Experian to verify a few things and he told me that he instructed Experian to remove the inquiry which will take up to 72 hours to reflect on my report. I have no freebie reports left to pull through ACR so I'll wait a week or so to pull my 3 bureau report from CCT and if I see any inquiries there I was instructed to call back and go through the same process to remove them. Everyone is stumped as to where the inquiry came from.
As as an aside CCT notified me of the inquiry on EX today so they apparently lag in notifications by a full business day or so.
I had something like this happen on my Equifax report with PenFed. These things may take months to resolve but, it can be done.
In my case, an unauthorized HP from PenFed was posted to my report on 11/20/2015.
I discussed with PenFed and filed an online dispute with Equifax (note: as part of a dispute resolution you can get a copy of your credit report free of charge). I then wrote a cover letter to PenFed and included info from my credit report showing the hard inquiry. After sending the info to PenFed, I followed up with another phone call.. Penfed researched and agreed that the HP was in error and that a "correction on your credit report was necessary". I asked for a written letter.
I finally received a letter from PenFed in early January (letter dated 12/31/2015) which said: "inquiry dated 11/20/2015 has been removed from your Equifax credit bureau." . The inquiry was not actually "removed" but, Equifax did re-code it to a SP from a HP in February 2016. So, all told, it took 3 months to get the inquiry re-classfied as shown in the below CK inquiry trend for EQ.
@Thomas_Thumb wrote:
@Marcos8 wrote:Just to update...I call Chase again this morning to see if anything has changed or become visible in their system since last night. Both the credit bureau department, and the security department cannot find any requests of any kind against my social security number. They are convinced that no new account has been attempted to be opened in my name at this time. Even if the application wasn't approved and still pending ( like what happens with Chase a lot) they'd be able to see it...and they can't see anything.
The he credit bureau rep once again called Experian to verify a few things and he told me that he instructed Experian to remove the inquiry which will take up to 72 hours to reflect on my report. I have no freebie reports left to pull through ACR so I'll wait a week or so to pull my 3 bureau report from CCT and if I see any inquiries there I was instructed to call back and go through the same process to remove them. Everyone is stumped as to where the inquiry came from.
As as an aside CCT notified me of the inquiry on EX today so they apparently lag in notifications by a full business day or so.
I had something like this happen on my Equifax report with PenFed. These things may take months to resolve but, it can be done.
In my case, an unauthorized HP from PenFed was posted to my report on 11/20/2015.
I discussed with PenFed and filed an online dispute with Equifax (note: as part of a dispute resolution you can get a copy of your credit report free of charge). I then wrote a cover letter to PenFed and included info from my credit report showing the hard inquiry. After sending the info to PenFed, I followed up with another phone call.. Penfed researched and agreed that the HP was in error and that a "correction on your credit report was necessary". I asked for a written letter.
I finally received a letter from PenFed in early January (letter dated 12/31/2015) which said: "inquiry dated 11/20/2015 has been removed from your Equifax credit bureau." . The inquiry was not actually "removed" but, Equifax did re-code it to a SP from a HP in February 2016. So, all told, it took 3 months to get the inquiry re-classfied as shown in the below CK inquiry trend for EQ.
I guess this stuff does happen from time to time. Fortunately for me the rep called Experian with me on hold and just verbally told them to remove it. No long drawn out process. From start to finish ( hopefully finished) it took around 2.5 days for me to see it, notify them with 2 different phone calls to having it be removed from my report.