Consumer complaint received 2015-05-14
Company: JPMORGAN CHASE & CO.
State: MA
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I filed for a chapter XXXX bankruptcy in XXXX of XXXX. I received a discharge in XXXX of XXXX. At the time I had a mortgage with Chase Bank. This mortgage was included in my bankruptcy and was discharged. I have been dealing with continued attempts by Chase to inaccurately report information to all credit bureaus. Currently, my complaint is with the credit bureau XXXX. I have filed numerous disputes with them in regards to wrong information that Chase Bank has reported to their agency. At the time of my bankruptcy I had XXXX mortgage and only XXXX with Chase Bank. On my credit file they list XXXX separate accounts. They have XXXX separate account numbers act # XXXX, and act # XXXX, and all other information is different by only a few days or months. They list the date the account was opened on XXXX as XXXX XXXX and on the other as XXXX XXXX, XXXX, they list the date of first delinquency on XXXX as XXXX and the other as XXXX, they list the date account was closed on XXXX as XXXX, and the other does not have a closed date. The account # XXXX has a reported balance of {$0.00} and the status lists Included in Bankruptcy and under comments it says Bankruptcy Capter XXXX, Bankruptcy Discharged, Last reported XXXX. Account # XXXX lists the status 120+ days past due, also with a balance of {$0.00}, but last reported on XXXX/XXXX/XXXX. Due to this current reporting it is appearing as though I have a current mortgage account open which is significantly affecting my credit score. I have reported this to XXXX in several disputes as stated with no results or changes. I have also called Chase bank who stated to me that this account is being listed because the mortgage was sold prior to my discharge so therefore they had the right to list it and report on it. They also stated that they were not aware that I had had a bankruptcy or had received a discharge. I explained to them that they already have an account with Chase that lists on my credit report as being discharged in bankruptcy and I also asked them how can I have an account with a XXXX balance yet be currently 120+ days late? I also told them that all the information under this " Bogus '' account had dates listed that were not accurate with the account I had at the time nor did it match up with the payment grid they have listed attached to this particular report, in fact this particular report lists that I am current as of XXXX of XXXX. I again repeated I do not have an account with Chase Bank currently open and the " XXXX '' mortgage I had was discharged in a chapter XXXX back in XXXX. I also stated that it is a violation of the provisions of the FCRA to be reporting on an account that was included in my bankruptcy, that they should no longer be reporting on as being unpaid or in a past due status. This does not seem to matter to Chase Bank! 
Please, help me if you can. I have had impeccable payment history since my discharge and am trying so hard and yet I am continuing to be penalized by Chase for the mistakes and problems of my past. Also, even though the other account listed is listed properly is n't that account suppose to be part of my public record report? The reason I ask is that XXXX lists that I have XXXX public record and XXXX Negative accounts, both being the XXXX Chase Accounts. 

Thank you very much, XXXX XXXX XXXX

Company response to consumer: Closed with explanation