Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
This is a follow-up to CFPB complaint # XXXX. Chase is furnishing incorrect account information to credit bureaus for account ending in XXXX. 

PROBLEM : XXXX. INACCURATE FURNISHING : Chase charged off this account in XXXX reporting {$12000.00}. They claim " no additional fees or interest charges are added to the account balance '' after charge-off. However, the balance reported to credit bureaus has FLUCTUATED since charge-off. If no charges are added, the balance should be frozen at {$12000.00}. This proves Chase is furnishing inaccurate information in violation of FCRA 623. 

XXXX. FAILURE TO VALIDATE DEBT : I have requested complete documentation multiple times in XXXX to verify this balance is correct : - Complete transaction history from account opening - Itemized breakdown of principal, interest, and fees - Original signed credit agreement bearing my signature - Documentation of the {$160.00} in fees charged in XXXX - Explanation of payment application - Chain of custody if debt was sold/transferred Chase has refused to provide this documentation. Without validation, they can not verify the accuracy of what they are reporting. 

XXXX. INADEQUATE RESPONSE TO PREVIOUS COMPLAINT : Chase responded to complaint # XXXX on XX/XX/XXXX by providing XXXX statement from XX/XX/XXXX showing : - Previous balance : {$11000.00} - Interest charged : {$280.00} - New balance : {$12000.00} This does NOT show how the {$11000.00} balance accumulated, what the {$160.00} in XXXX fees were for, the original signed agreement, or any complete transaction history. XXXX statement does not validate a multi-thousand dollar debt. 

Chase claimed they " could not review my requests without specific dates '' - yet they have phone records of my multiple XXXX calls requesting this information. 

XXXX. ONGOING HARM : Chase 's inaccurate furnishing is damaging my credit score across all three bureaus. Under FCRA 623 ( a ) ( 1 ), furnishers must provide accurate information. Chase is reporting unvalidated, fluctuating information. 

WHAT I TRIED : - Multiple phone calls to Chase in XXXX requesting itemized documentation - Filed CFPB complaint # XXXX - Provided feedback on Chase 's inadequate response - Filed disputes with credit bureaus ( complaints XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHAT I WANT : Chase must provide COMPLETE validation including : ( XXXX ) original signed credit agreement bearing my signature, ( XXXX ) complete transaction history from account opening, ( XXXX ) itemized breakdown of all principal/interest/fees, ( XXXX ) documentation of the {$160.00} in fees charged in XXXX, ( XXXX ) proof of how payments were applied, and ( XXXX ) chain of custody documentation if debt was sold or transferred. 

If Chase can not provide ALL documentation, they must delete this tradeline from ALL credit reporting agencies and confirm in writing they will not re-report this account or sell/transfer this debt to any third party. 

Under FCRA 623, Chase must investigate disputes and correct or delete inaccurate information. They have failed to do both.

Company response to consumer: Closed with explanation