In Chase denial letter, they should tell you which credit report they pulled
Did they tell you it is Experian?
For Midwest locations, Trans Union seems to be the agency lenders prefer to use for first decision, (Equifax for East Coast and Experian for West Coast). They then would do account reviews on other agency reports.
You may want to get other 2 agencies' reports to see - the hard inquiries on other reports most likely would be very different from the one you saw on Experian's report.