You can escalate this, but first clear any Experian freeze and then ask Chase to manually review and re-pull the same ITIN application before filing a CFPB complaint.

What information do I have to provide on a credit card application?

Your full legal name. Your Social Security number and/or ITIN. Your physical address.

Credit Card

Card Customer Service: 1-800-432-3117

(a)(1)(i), (c)(1)-(2)

30 days after receiving a completed application concerning the creditor's approval of, counteroffer to, or adverse action on the application; If additional information is needed from an applicant, the creditor shall send a written notice to the applicant specifying the information needed, designating a reasonable period of time for the applicant to provide the information, and informing the applicant that failure to provide the information requested will result in no further consideration being given to the application.

(a)(2)(ii), (b)(2)

The statement of reasons for adverse action required by paragraph (a)(2)(i) of this section must be specific and indicate the principal reason(s) for the adverse action. Statements that the adverse action was based on the creditor's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor's credit scoring system are insufficient. A disclosure of the applicant's right to a statement of specific reasons within 30 days, if the statement is requested within 60 days of the creditor's notification.

(a)(3)-(4)

If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall— provide to the consumer orally, in writing, or electronically— the name, address, and telephone number of the consumer reporting agency (including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis) that furnished the report to the person; and a statement that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide the consumer the specific reasons why the adverse action was taken; provide to the consumer an oral, written, or electronic notice of the consumer’s right— to obtain, under section 1681j of this title, a free copy of a consumer report on the consumer from the consumer reporting agency referred to in paragraph (3), which notice shall include an indication of the 60-day period under that section for obtaining such a copy; and to dispute, under section 1681i of this title, with a consumer reporting agency the accuracy or completeness of any information in a consumer report furnished by the agency.

(b)

Each consumer reporting agency that maintains a file on a consumer shall make all disclosures pursuant to section 1681g of this title without charge to the consumer if, not later than 60 days after receipt by such consumer of a notification pursuant to section 1681m of this title, or of a notification from a debt collection agency affiliated with that consumer reporting agency stating that the consumer's credit rating may be or has been adversely affected, the consumer makes a request under section 1681g of this title.

(a)(1)(A)-(B)

Subject to subsection (f) and except as provided in subsection (g), if the completeness or accuracy of any item of information contained in a consumer's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Except as provided in subparagraph (C), the 30-day period described in subparagraph (A) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

Credit freeze; fraud alert

When a credit freeze is in place, nobody can open a new credit account in your name. There’s no cost to place or lift a credit freeze, and it doesn’t affect your credit score. Fraud alerts make lenders verify your identity before they grant new credit in your name.

Dispute online; dispute by mail

Correct inaccuracies on your Experian credit file for free. If you are disputing online: Experian's Online Dispute Center lets you easily add any required or pertinent documentation to a dispute. If you are disputing by mail: Please send copies (not originals) of any requested documentation, such as a utility bill or government-issued identification card.

Before submitting a complaint against a credit or consumer reporting agency about inaccurate or incomplete information on your consumer report, you are required by law to first dispute the information directly with the credit or consumer reporting agency. To submit a complaint, you must attest that the information you have provided is true to the best of your knowledge and belief, and, if your complaint to a CRA concerns inaccurate or incomplete information, that you have already submitted your dispute to a CRA more than 45 days ago or that your dispute with the CRA is no longer pending.

Company response

We'll send your complaint directly to the company so it can review the issues in your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days.

You have the right to request one free copy of your credit report each year from each of the three major consumer reporting companies (Equifax, Experian and TransUnion) by visiting AnnualCreditReport.com. Phone: Call (877) 322-8228.