Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (AL)

I am writing to address multiple issues regarding the status of my credit report as it relates to Chase credit cards, FREEDOM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND CHASE SAPPHIRE PREFERRED XXXX XXXX XXXX XXXX. In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requests were made to remove both charge-off accounts from my credit report, as this action is a violation of fair credit reporting practices. Despite these requests, no action has been taken. Additionally, I have made numerous attempts, both in writing and verbally, to exercise my right to opt out of certain authorizations, but these attempts have been disregarded. Recently, I received a notice from Chase indicating that I received income exceeding {$600.00} due to the charge-offs, leaving me responsible for paying the taxes on the charged-off amount. This situation presents a double standard and is in violation of fair credit practices, as Chase has already recouped their losses. I request that Chase promptly contacts all three credit reporting agencies to update my credit report to reflect a good standing and provide evidence of the removal of both charges immediately. The current situation has significantly decreased my credit score, causing considerable distress. Furthermore, I want to emphasize that I am at the " Age of Majority '' and am fully capable of handling my own affairs as an adult. I expect a timely resolution to these matters and request confirmation of the actions taken to rectify the situation. 

Further, these charge-offs are being considered as certificates of indebtedness and reported as income. Certificate of indebtedness income CAN NOT be reported to my credit report. I hereby request the immediate removal of this inaccurate information from my credit report. This is another attempt to resolve this matter. Upon completion of this correction and removal, I kindly request an updated copy of my credit report reflecting the changes made. I request that you provide me with written confirmation once the necessary corrections have been made to my credit report, as per the provisions of 15 USC 1681. Additionally, I wish to emphasize the importance of adherence to 15 USC 1681, which mandates that any information reported must be pure and accurate. Please be advised that I hereby revoke any consent, authorization, or permission previously granted to XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX, in accordance with the provisions outlined in 15 USC 6802. According to 15 USC 1681, it is required by law that my credit report be accurate and free from any inaccuracies, errors, or misleading information. As a consumer, I am entitled to rely on the accuracy of the information provided in my credit report when making financial decisions. I understand that ensuring the accuracy of my credit report is not only in my best interest but also a legal obligation for credit reporting agencies under the FCRA. Any inaccuracies or discrepancies in my credit report could have significant consequences for my financial well-being and may impact my ability to obtain credit, loans, or other financial services. Any inaccuracies or errors found should be promptly corrected in accordance with the requirements of the FCRA.