Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing this complaint because a derogatory credit card account reported by JPMCB CARD, associated with account ending in XXXX, has been inaccurately reported, improperly verified, and maintained on my credit file without proper validation, documentation, or compliance with federal requirements. The manner in which this account has been handled raises significant concerns under the Fair Credit Reporting Act ( FCRA ) and relevant consumer protection standards. For months, I have attempted to obtain basic verification, method-of-verification information, and documentary evidence that this derogatory account is being reported accurately and lawfully. However, the responses I have receivedor lack thereofsuggest that the account has not been properly validated and that the information being reported is either incomplete, unverifiable, or inaccurate. Therefore, I am asking the Consumer Financial Protection Bureau to intervene, review the handling of this account, and require the furnisher and the credit reporting agencies to comply with federal law. 

The derogatory entry connected to JPMCB CARD ending in XXXX is appearing as a charge-off with an alleged past-due amount in excess of XXXX XXXX dollars. The reporting history also shows a pattern of severe delinquency, including multiple XXXX, XXXX, and XXXX late notations. Despite the severity of this information and its harmful impact on my consumer credit profile, the credit bureaus have failed to provide any meaningful documentation or explanation when I requested validation and verification of this entry. Instead, I received generic or automated responses stating that the account had been verified, without any proof, documentation, or details. This raises concerns about whether the account was ever independently investigated at all, or whether the credit bureaus simply relied on an electronic verification method such as e-OSCAR without reviewing any supporting documents. 

When I submitted a dispute directly to the major credit bureaus, my intention was to request the legally required documentation supporting this account. I asked for a full method of verification, including what system was used, which data source was consulted, and what documents JPMCB CARD allegedly supplied to substantiate this derogatory information. I also requested copies of any original agreements, contracts, or documents with my signature, because such documentation is essential to establishing both accuracy and ownership. The bureaus did not provide any of this. Instead, my disputes were quickly marked as verified, without producing any proof, even though the FCRA requires that the verification process be reasonable, meaningful, and supported by evidence. 

In each of my requests, I specifically asked the credit bureaus to provide the documentation used to confirm the account data. I also asked for the precise method of verification, including the name of the individual or system that verified the information, the date of verification, and the nature of the data provided by JPMCB. None of this information was supplied. The speed with which my disputes were closed suggests that the bureaus relied solely on automated system codes transmitted by the furnisher through e-OSCAR, rather than conducting a meaningful review as required. A simple automated verified response does not satisfy the obligations of a reinvestigation under FCRA 611 ( a ), and it does not reflect a good-faith effort to ensure accuracy. 

The lack of proper validation raises even deeper concerns when considering the account history itself. The reporting reflects a severe and extended delinquency over XXXX separate XXXX late entries. This pattern is significant and damaging, and it is entirely reasonable for me to request the supporting documentation behind these claims. Without proofs such as billing statements, notices of default, records of communication, or payment history logs, there is no way to determine whether any of the derogatory markers were incorrectly assigned or whether the account was inaccurately accelerated or charged off. Yet none of these documents were provided to me, and it is unclear whether the credit bureaus ever saw them in the first place. 

Additionally, I have concerns about the chain of custody and data accuracy of this JPMCB CARD account. I can not confirm whether the data is originating directly from JPMorgan Chase Bank or whether it has been transferred through automated systems or third-party processors. If the account has been sold, assigned, or reclassified internally, those details have not been disclosed to me. Without an XXXX XXXX showing how the data was transmitted, who handled it, and what specific information was provided, I can not trust the accuracy of the reporting. Under FCRA 607 ( b ), credit bureaus are required to maintain maximum possible accuracy in consumer reporting, and this standard can not be met without the ability to confirm the integrity of the data. 

Another troubling issue is that I have repeatedly requested basic supporting documentsincluding the original application, contract, credit agreement, or any document bearing my signatureand none has been provided. Without such proof, there is no legally sufficient validation of the alleged account. A simple electronic confirmation code from the furnisher does not substitute for documentary evidence. The credit bureaus and JPMCB CARD have continued reporting this derogatory information despite failing to produce the documentation required to validate the account. This is harmful, as it affects my creditworthiness, my ability to access financial products, and my overall consumer profile. 

Furthermore, the ongoing reporting of this account, despite repeated disputes, raises concerns about whether the account has been properly marked as disputed. The FCRA requires that when a consumer disputes an account, the furnisher must notify the credit reporting agencies and the dispute notation must be included in all reporting. If the account is not properly marked as disputed during the reinvestigation period, this constitutes a violation under 623 ( a ) ( 3 ). At various times when I reviewed my reports, the account did not appear to be marked as disputed, which is concerning because the furnisher is obligated to reflect the dispute status to prevent misleading third parties.

I am also concerned that the reinvestigation may have been labeled frivolous or incomplete by the bureaus without proper notice. If a bureau considers a dispute frivolous, they are required under federal law to notify the consumer with specific reasoning and instructions for how to provide additional information. This did not happen. Instead, the disputes were simply closed with no explanation, suggesting that due process was not followed. If the bureaus dismissed my dispute internally without notifying me, that is a violation of their legal duties. 

Under FCRA XXXX ( a ) ( XXXX ) ( B ), if an account is deleted because it can not be verified, it can not be reinserted unless the furnisher certifies its accuracy and the consumer is notified within XXXX days. I am raising this issue because the bureaus have deleted and reinserted information related to other accounts in the past. I want to ensure that if this account is removed due to lack of proper verification, it will not be reinserted without following the proper legal steps. 

The bureaus reinvestigation process appears to be lacking in transparency, accuracy, and documentation. I have not been provided with method-of-verification details, audit trails, supporting documents, or chain-of-custody information regarding the data furnished by JPMCB CARD. Without these materials, the verification can not be considered valid. The current reporting remains unsubstantiated and therefore unreliable. 

My request is simple and grounded in law : I want JPMCB CARD to provide documentary evidence supporting the reporting of the account ending in XXXX. This includes the original application, agreement, billing statements, payment records, default notices, charge-off notices, and any internal documentation used to substantiate the alleged delinquency and charge-off. If JPMCB CARD can not provide these documents, they can not verify the accuracy of the account, and the derogatory information must be removed. 

I also want the credit bureaus to provide the full method of verification, including the system used, the individual or system that completed the review, the date and time of verification, and the specific information supplied by JPMCB during the reinvestigation. Without this information, the reinvestigation process can not be considered complete. 

I am not disputing for the purpose of avoiding responsibility. I am disputing because the process used by JPMCB CARD and the credit bureaus appears incomplete, automated, and non-compliant with federal law. As consumers, we are entitled to accurate, verifiable information on our credit reports. When lenders or credit bureaus can not substantiate their reporting with documentation, the information must be corrected or removed. That is the purpose of the FCRA, and I am simply asking that the law be upheld. 

What I want from this complaint is simple : I want JPMCB CARD to either validate the account with proper documentation or have the account removed entirely from my credit report. If they can not provide the required evidence or refuse to provide a meaningful response, then the current reporting is inaccurate and must be deleted. I am also requesting that the CFPB ensure the credit bureaus conduct a real reinvestigation instead of relying solely on automated systems. Consumers deserve accurate, fair, and properly verified reporting. 

Additionally, I would like confirmation that the account will not be reinserted without the required certifications and notices, as that would further harm my credit profile. I hope the CFPB will review this situation thoroughly and require JPMCB CARD and the credit bureaus to meet their legal obligations. At minimum, I expect transparency, documentation, and a meaningful investigation into the reporting of this account. If it can not be validated, it must be removed. 

Thank you for reviewing this complaint. I appreciate any assistance the CFPB can provide in ensuring that the information being reported about me is accurate, fair, and fully compliant with federal law. I request a full investigation into the handling of this JPMCB CARD account and a clear response from the furnisher and the bureaus regarding the documentation used to support the reporting of this derogatory information. Without such documentation, continued reporting is both unjustified and unlawful.

Company response to consumer: Closed with explanation