Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am disputing multiple reporting inconsistencies on a charged-off Chase credit card account. The creditor has furnished contradictory information across several data fields, and standard dispute procedures have not resolved these issues.Account Background : This Chase credit card was charged off and closed in XX/XX/XXXX. My last payment was XX/XX/XXXX. Since then, there has been no activity - no payments, no new charges, no settlements, and no contact with Chase.Reporting Inconsistencies : Chase 's credit reporting contains the following XXXX. Balance Fluctuation XX/XX/XXXX : Balance reported as {$0.00} XX/XX/XXXX : Balance reported as {$19000.00} No account activity occurred between these dates to justify this change XXXX. XXXX XXXX XXXX XXXX XXXX XXXX reported : {$27000.00} Credit Limit reported : {$18000.00} This shows I allegedly charged {$9400.00} over my credit limit, which is not possible on a flexible spending card XXXX. Contradictory High Credit Notation Report states : " Amount in High Credit Column is Credit Limit '' But High Credit shows {$27000.00} while Credit Limit shows {$18000.00} These figures can not both be correct XXXX. Inconsistent Last Payment Date Some sections show : XX/XX/XXXX Other sections show : XX/XX/XXXX Chase can not keep basic dates consistent XXXX. Modified Historical Dates Following my dispute, Chase modified " Date of Major Delinquency XXXX Reported '' Historical dates should not change based on disputes Dispute History : In XX/XX/XXXX, I disputed these inconsistencies with XXXX. On XX/XX/XXXX, Chase responded that they had " verified '' the account and modified several fields. However, their response did not explain any of the contradictions listed above. 
Why This Matters : The Fair Credit Reporting Act requires furnishers to follow reasonable procedures to ensure maximum possible accuracy. When a creditor reports : Contradictory balances with no triggering activity Mathematically impossible credit amounts Inconsistent dates for the same event Self-contradictory notations This demonstrates a failure to maintain accurate reporting procedures. 
Questions Requiring Answers : Why did the balance change from {$0.00} to {$19000.00} with no account activity? 
How can High Credit ( {$27000.00} ) exceed the Credit Limit ( {$18000.00} ) by {$9400.00}? 
Why does the report claim " High Credit = Credit Limit '' when these amounts differ? 
Which last payment date is correct : XX/XX/XXXX or XX/XX/XXXX? 
Why were historical delinquency dates modified following a dispute? 
What documentation supports each of these contradictory data points? 

Requested Resolution : Chase must either : Provide complete documentation explaining each inconsistency with supporting account statements and transaction records, OR Delete the tradeline from all three credit bureaus due to demonstrated inability to report this account accurately and consistently If Chase acknowledges any of this information was reported incorrectly, I request written confirmation that these FCRA violations have been documented in their compliance records. 
Account Details : Account type : Flexible spending credit card Date opened : XX/XX/XXXX Last payment : XX/XX/XXXX Date closed/charged off : XX/XX/XXXX Credit bureau : Equifax ( XXXX all three ) Dispute filed : XX/XX/XXXX Creditor response : XX/XX/XXXX I have supporting documentation including XXXX  dispute results showing these inconsistencies.

Company response to consumer: Closed with non-monetary relief