Consumer complaint received 2026-03-03 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: MO

Complaint narrative:
I am submitting this complaint regarding a JPMCB Card account that is currently reporting on my credit file as a charge-off with a reported balance of approximately {$460.00}. I am formally stating that I do not own this account. I did not open this account, I did not authorize anyone to open it on my behalf, and I did not benefit from any credit extended under this account. This account is the result of identity theft. I became aware of this JPMCB Card charge-off after reviewing my credit report and noticing a derogatory tradeline reflecting a balance of approximately {$460.00} that had been charged off. Although the balance is smaller compared to other fraudulent accounts discovered, the presence of any charge-off is extremely damaging to my credit profile. A charge-off indicates severe delinquency and default, and it creates the false impression that I failed to repay a legitimate debt. That is not accurate in this case. I have never knowingly applied for or opened a JPMCB credit card account corresponding to the account being reported. I did not sign any credit application, cardmember agreement, or authorize any extension of credit in my name with JPMCB for this account. I did not make purchases, receive statements, or otherwise use the credit associated with this account. Upon discovering this account, I immediately took steps to protect myself. I filed an Identity Theft Report with the Federal Trade Commission ( FTC ), formally documenting that this JPMCB Card account was opened fraudulently using my personal information. I also initiated disputes with the credit reporting agencies, clearly stating that this account does not belong to me and was the result of identity theft. Despite filing the FTC Identity Theft Report and submitting formal disputes, this JPMCB Card charge-off continues to report on my credit file. The continued reporting of this fraudulent account is causing ongoing harm to my creditworthiness and financial stability. The reporting reflects delinquency prior to charge-off. I did not make late payments on this account because I did not open it and was unaware of its existence. The negative payment history associated with this account does not reflect my financial behavior but instead reflects fraudulent activity carried out by an unknown third party. After discovering the account, I requested that JPMCB provide documentation proving that I personally opened and authorized this account. Specifically, I requested : A copy of the original signed credit application or cardmember agreement. Documentation showing the identity verification procedures used at the time the account was opened. Copies of any identification documents allegedly submitted. Complete account statements from inception through charge-off. Documentation showing how the {$460.00} balance was calculated. To date, I have not received original signed documentation bearing my authorization. I have not received proof that I entered into a contractual relationship with JPMCB for this account. Any response stating that the account was verified is not sufficient to establish responsibility, especially after a formal identity theft report has been filed. Under the Fair Credit Reporting Act ( FCRA ), both furnishers and credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Reporting an account as belonging to me when I did not open or authorize it violates this standard. Furthermore, under Section 605B of the FCRA, when a consumer submits a valid Identity Theft Report, the credit reporting agencies must block the reporting of fraudulent information unless they determine the report is false or based on misrepresentation. I have complied with all necessary steps to assert my rights as a victim of identity theft. I filed the FTC Identity Theft Report and formally disputed the account. The continued reporting of this JPMCB charge-off suggests that proper blocking procedures were not followed or that a meaningful investigation was not conducted. It is concerning that this account progressed to charge-off status without me being aware of its existence. If the account was opened online or electronically, I request review of : IP address logs associated with the application. Device identification data. Email addresses and phone numbers used in the application. Records of identity authentication steps taken at approval. If the account was opened in person, I request copies of any identification documents presented at that time and records of identity verification performed by JPMCB. The financial impact of even a relatively small charge-off is significant. Credit scoring models do not consider only the balance ; they heavily weigh the presence of charge-offs and derogatory tradelines. The reporting of this account lowers my credit score and negatively affects lending decisions. In addition to financial harm, this situation has caused emotional distress. Discovering that my personal information was used to open unauthorized credit accounts is alarming. I have taken responsible and immediate action to correct this issue, but the burden of removing fraudulent information should not rest solely on the victim. If JPMCB believes that this account belongs to me, I request that they provide detailed documentation demonstrating : The exact date the account was opened. The method of application ( online, phone, in-branch ). The identity verification procedures used. Copies of any signed agreements bearing my signature. Proof that I personally authorized charges associated with the account. Without such documentation, there is no legitimate basis for continuing to report this account as mine. I also request clarification as to whether this account has been sold, transferred, or assigned to any third-party collection agencies. If so, I request documentation of the chain of assignment and confirmation that the identity theft dispute was communicated to any third parties involved. Selling or transferring a fraudulent account without proper notice perpetuates harm. The Fair Credit Reporting Act was enacted to protect consumers from inaccurate and fraudulent reporting. The continued reporting of this JPMCB charge-off undermines the purpose of the law and causes unjust harm. I have acted responsibly by reviewing my credit report, filing an FTC Identity Theft Report, and submitting formal disputes. I am fully cooperating and willing to provide additional documentation to support my claim. The dispute process must involve a meaningful investigation that includes review of original documentation and verification records. Simply confirming information with an automated system is not sufficient when identity theft has been reported. If JPMCB can not produce documentation showing that I personally opened and authorized this account, the only appropriate resolution is permanent deletion from my credit file. I am not attempting to avoid legitimate debt. If I had opened and used this JPMCB Card account, I would take responsibility for it. However, I can not and should not be held responsible for a debt incurred through identity theft. The resolution I am seeking in this complaint is recognition that this JPMCB Card charge-off was opened fraudulently, correction of the inaccurate reporting, and restoration of accuracy to my credit profile. I respectfully request that JPMCB conduct a thorough and meaningful investigation into this matter and take corrective action consistent with federal consumer protection laws. I appreciate the opportunity to formally document this issue and request corrective action. I look forward to receiving a written response explaining the findings of the investigation and confirming that the fraudulent JPMCB Card charge-off has been removed.

Company response to consumer: Closed with non-monetary relief