conversation: User (throwaway672323): "Hello!\n\nA month ago, I applied for an apartment so I provided my social security number and all of the necessary information so that the leasing office could see if I qualified. This resulted in an authorized hard inquiry in April. I was approved for the apartment near the end of April. Last week, my roommate turned 18 so I asked him to call the leasing office and submit an application so that he could be added to the lease before we sign the final document. The leasing office let him know that since I was already approved, an application for him would not be necessary and they would simply add him as an occupant. They requested his social security number and his information to add him to the lease before signing. Last night, I received a notification from Mint letting me know that another hard inquiry just appeared on my report. I was skeptical so I requested a copy of my credit report from Trans-union which indeed confirmed a SECOND hard inquiry ran yesterday.  This was unauthorized and the leasing office never requested to perform a second inquiry.\n\nHere are my questions:\n\n1. Can the leasing office alone remove this hard inquiry or do I need to contact Trans-union to file a dispute?\n2. I looked on [dispute.transunion.com](https://dispute.transunion.com) and upon starting a new investigation, they don't seem to let you start an investigation for hard inquiries. Am I missing something?\n3. Is there any general advice that you might have for someone in my situation?\n\nThank you so much for the help in advance. I'm 19 and having such a young credit report means that this extra inquiry really impacted my score (dropped 40 points) and so that's why I'm making a big deal out of this.\n\nEDIT: I am located in Arizona\n\nUPDATE: I called them and expressed my frustration, they said it was a mistake on their behalf and that I should dispute this with Transunion. They also compensated me. They couldn't cancel the inquiry themselves unfortunately."
  Self: "You can contact the leasing office and ask them to contact the credit bureau and reverse it. You can report the crime to your local police department and file a complaint with the FTC.\n\nRealtalk: Just let it go. They're probably not going to reverse it. Their system might not even let them rely on a credit inquiry for a month and a half prior and require them to enter everyone's information at the same time. None of the above actions are likely to get it off your credit report.\n\nIt will gradually decrease in effect, no longer affecting your FICO score after one year and completely gone after two years."
  User (throwaway672323): "This is good advice, thank you. I'll probably give them a call anyways just to see what can be done but it's probably not worth insisting like you said."
  