Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX JPMCB CARD SERVICES Account : XXXXXXXX XXXX  Date open : XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT To whom this may concern your company is violating my consumer rights, breaking the FDCRA.

Your company also is furnishing inaccurate and incorrect information to the consumer reporting agencies. The report of such inaccurate information has caused severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes.

Your reporting my account as charge off on my consumer report by the law is illegal. This is my third time reaching out to address this mistake. A charge off by the IRS definition is gross ordinary income and income does not get reported! Telling me that it does is also against the law!

15 usc 1681 congressional finding and statement of purpose ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting.

Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 usc 1681a ( 2 ) definition rules of construction 2 ) EXCLUSIONS.

Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The above law states that my consumer report does not consist of TRANSACTION OR EXPERIENCES between me the consumer and you the person making the report. Transaction is my account and everything in it and the experience is charge late payment settlement etc.

15 usc 1681 s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Duty A moral or legal obligation ; responsibility.

Accurate Correct in all details ; exact.

Prohibition A law or regulation forbids something.

15 usc 1681 s-2 says your company is a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information, I demand you to cease and desist reporting of incorrect and inaccurate information immediately to all three credit reporting agencies XXXX  XXXX  and XXXX. 
15 usc 1681 s-2 ( a ) ( 1 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.

15 usc 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is my second notice reaching out to your company to fix this problem the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system I am opting out of your reporting services. Per my right Privacy Act of 1974 and 12 CFR part 1016.7 Form of opt out notice to consumers ; opt out methods

Company response to consumer: Closed with explanation