Call Chase now about the same application, file a written TransUnion dispute now, and—if Chase cannot verify you manually—wait for TransUnion’s corrected result before reconsideration or a new application.
“I was denied a Chase credit card because my ITIN doesn't match what TransUnion has on file. Years ago, I used my foreign passport number to open credit cards. When I got an ITIN, I updated my creditors and the bureaus. Experian and Equifax updated my file, but TransUnion refused, saying they don't accept ITINs. How can I get TransUnion to update or merge my passport-based file with my ITIN, and should I try Chase reconsideration now or wait until it's fixed?”
Resumen
Your strongest right is not a promise that TransUnion must enter an ITIN in an SSN field; it is your right to a reasonable of each inaccurate or incomplete file item. That gives you a concrete correction process and a documented route to CFPB if TransUnion does not resolve it.
Run the TransUnion correction and Chase same-application review in parallel; only a fresh Chase application should wait.
Identify every wrong personal-information item and every missing or separated account, describe the problem as a possible , and demand a free reasonable . The FCRA applies when the completeness or accuracy of any item in your consumer file is disputed and normally gives TransUnion 30 days after receipt (15 USC 1681i(a)(1)(A)).
Call Chase at 1-888-338-2586 now and ask whether the existing application can receive manual identity verification or remain available while TransUnion corrects the file. Chase says denial communications normally contain reconsideration information, but it does not promise this route will be available (Chase application-status guidance).
Do not create a fresh application while the stated TransUnion mismatch remains. Chase’s published guidance says to address the reason in the denial letter before reapplying, so a new application should wait until the mismatch is corrected or Chase confirms that it can verify you another way.
Neither the FCRA nor Chase’s published guidance guarantees approval, a particular internal file-merging method, or use of another credit bureau.
Leer la explicación completaOcultar la explicación completa
Watch out for
Próximos pasos
These steps preserve the Chase application while creating the strongest possible formal record for correcting your TransUnion file.
Within 60 days after receiving the Chase notice
Request your free TransUnion disclosure
Request the complete TransUnion consumer disclosure—not only a score—without charge under 15 USC 1681j(b). Call TransUnion Consumer Relations at 800-916-8800, Monday–Friday 8 a.m.–10 p.m. Eastern or Saturday–Sunday 8 a.m.–5 p.m. Eastern, and state that Chase denied credit using TransUnion information. If an online flow requires an SSN, TransUnion says a person without an SSN may still have a file and its agents can help locate it.
Requisitos
Now—do not submit a new application
Call Chase about the same application
Call 1-888-338-2586 and say: “I am calling about the existing application, not applying again. The denial says my ITIN did not match TransUnion. Can this application receive manual identity verification or reconsideration, or remain available until TransUnion finishes my dispute?” Record the date, representative, answer, and any application-specific reconsideration deadline Chase gives you. Chase publishes no universal deadline or guarantee.
Requisitos
As soon as the report is available
Mail one complete TransUnion dispute
Write: “I dispute the completeness and accuracy of my TransUnion file. The accounts listed below belong to me but appear separated from my current identifying information. Please reinvestigate, correct my current name, date of birth and addresses, and link or consolidate these listed same-consumer accounts. My CP565 confirms my assigned ITIN; I am not claiming it is an SSN. Please send the investigation result and revised report.” Mail the packet to TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016-2000. The dispute fee is $0. Use tracked mail with return receipt and keep a complete copy.
Requisitos
Count from TransUnion’s receipt date
Calendar the investigation deadlines
The normal deadline is 30 days after receipt. TransUnion may add up to 15 days if it receives relevant information from you during the first 30 days, so send the complete packet initially. It must send written results within five business days after completing the investigation. Compare the revised report against your list and confirm that the correct identifying information and every affected account now appear together.
Requisitos
After a final response or once 45 days have passed
Escalate according to the result
Case A—TransUnion sent a final refusal or the dispute is otherwise no longer pending: request in writing the procedure used to verify the information; 15 USC 1681i(a)(7) gives TransUnion 15 days after receiving that request. Then file at https://www.consumerfinance.gov/complaint/ and attach the key documents, communications, and dates; the CFPB allows up to 50 pages. Case B—the dispute remains pending and fewer than 45 days have passed: wait to complain until it ends or day 46. Case C—TransUnion says a creditor verified old data: mail that creditor a direct dispute at the dispute address printed on your report, using certified mail and the same evidence.
Requisitos
If manual review was unavailable
Return to Chase after the file is corrected
If Chase said the existing application can still be reviewed, call 1-888-338-2586 and request reconsideration using the corrected TransUnion result. If Chase said the application is closed or cannot be reconsidered, submit a fresh application only after confirming that the TransUnion mismatch and the stated denial reason are fixed.
Requisitos
Fuentes legales
This answer is grounded in the Fair Credit Reporting Act, IRS and CFPB guidance, and TransUnion’s and Chase’s own published procedures.
15 USC 1681i
A direct dispute about incomplete or inaccurate file information triggers a free reasonable reinvestigation, normally within 30 days.
(a)(1)(A)
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.
15 USC 1681i
Relevant information sent after the dispute starts may extend the 30-day investigation by up to 15 days.
(a)(1)(B)
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.
15 USC 1681i
TransUnion must give written results shortly after completing its reinvestigation.
(a)(6)(A)
A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
15 USC 1681i
After an unsuccessful result, you can request the verification procedure and TransUnion must provide it within 15 days.
(a)(7)
A consumer reporting agency shall provide to a consumer a description referred to in paragraph (6)(B)(iii) by not later than 15 days after receiving a request from the consumer for that description.
15 USC 1681j
Because Chase denied credit using TransUnion information, you can request a free TransUnion disclosure within 60 days after receiving the notice.
(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.
TransUnion Dispute by Mail or Phone
This is TransUnion’s published mailing address for consumer disputes.
**Send your documents to:** TransUnion Consumer Solutions P.O. Box 2000 Chester, PA 19016-2000
TransUnion Credit Dispute FAQ
Identity-document disputes should use the phone or mail route because online uploads are not supported for these personal-information changes.
Credit Dispute FAQ
We don't currently support online document uploads for public records disputes like bankruptcy or updates to personal information such as Social Security number, date of birth, name and address. If you need to provide supporting documents for either type of dispute, please file your dispute request by phone or mail.
TransUnion Credit Dispute FAQ
TransUnion identifies creditor letters, billing statements, and IRS letters as examples of dispute evidence.
Credit Dispute FAQ
Examples of supporting documents that can be used to support your claim might be a letter from the creditor or courthouse, billing statement, letter from the IRS, canceled check or money order showing payment, etc.
TransUnion Editing Personal Information
TransUnion requires documents showing updated identifying information when changing a name, birth date, or SSN.
To make changes to your Name, Date of Birth or Social Security Number (SSN) you’ll need to provide us with valid supporting documentation that shows the updated information.
CFPB Sample Credit Report Dispute Letter
The CFPB sample-letter instructions identify the basic identity and address documents to mail with a dispute.
page 2
Print and mail the letter along with one copy of a government issued identification card, (such as a driver’s license or state ID card, etc.), and one copy of a utility bill, bank or insurance statement, etc.
CFPB Credit and Consumer Reporting Complaint Notice
This is the current CFPB timing gate for complaints about inaccurate or incomplete credit-report information.
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.
Chase Application Status Guidance
Chase publishes this number for an urgent application update.
If you urgently need an update, please refer to any communications we've sent or call us at 1-888-338-2586.
Chase Application Status Guidance
Chase allows applicants to ask about reconsideration but does not promise that it will be available or successful.
Generally speaking, your credit history has to have changed before a credit card application will be reconsidered. Denials normally include the reason your application was declined and information about a reconsideration. If you're interested in this option, you can take action based on the denial letter you receive.
Chase Denial Guidance
Chase advises fixing the stated denial reason before making another application.
Before reapplying after being denied credit, address the reason(s) listed in your denial letter to help increase your chances of approval in the future.
IRS ITIN Guidance
The IRS defines the ITIN’s limited purpose and identifies CP565 as the notice mailed with an assigned ITIN.
An ITIN is issued by the IRS for federal tax purposes only. If you can't find the CP565 Notice we mailed with your assigned ITIN, contact us.
TransUnion Immigrant Credit Guidance
TransUnion says someone without an SSN may still have a file and can contact its agents to locate it.
If you don’t have a SSN, you may still have a credit file with TransUnion. You can contact us directly and our agents can help you check.
These are the official rules and issuer instructions as published on the cited dates; rules and company procedures can change.
This is general information about official processes, not legal advice, and SettleKit is not a law firm.
Respuestas relacionadas
Suscríbete al boletín de SettleKit
Investigamos las partes difíciles de establecerse en Estados Unidos y escribimos artículos que no vas a encontrar en otro lado. Suscríbete para recibir cada artículo nuevo por correo.