Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am disputing the accuracy, completeness, and legality of the reporting of a negative JPMCB AUTO FINANCE account that is being reported beyond the allowable 7-year limit, contains incomplete payment history, and has been illegally re-aged by the data furnisher and/or credit reporting agency by providing an incorrect Date of First Delinquency ( DOFD ). 

Upon reviewing multiple credit reports from previous years, I confirmed that the original DOFD for this account was reported as XX/XX/XXXX. However, recent credit reports now show the earliest delinquency as XX/XX/XXXX, omitting the delinquency months of XXXX, XXXX, and XX/XX/XXXX. This change effectively re-ages the account, extending its reporting period beyond what is legally permitted. 

The Fair Credit Reporting Act ( FCRA ) explicitly limits the amount of time a negative account may appear on a consumer credit report. Under FCRA 605 ( a ) ( 15 U.S.C. 1681c ( a ) ), adverse information such as late payments, charge-offs, or collections may not be reported beyond seven ( 7 ) years from the Date of First Delinquency that led to the accounts default. The DOFD establishes the start of this 7-year period. 

In addition, under FCRA 623 ( a ) ( 5 ) ( 15 U.S.C. 1681s-2 ( a ) ( 5 ) ), furnishers of informationsuch as the creditor or lenderare required to accurately report the Date of First Delinquency to credit reporting agencies. This section prohibits a furnisher from altering or re-aging the DOFD to make a derogatory account appear newer or to allow it to remain on a consumers report longer than the law allows. 

By failing to report the full payment history and by modifying or omitting the original delinquency dates, the furnisher and/or credit bureau are in violation of FCRA 623 ( a ) ( 1 ) ( A ) as well, which prohibits reporting information that is known or should reasonably be known to be inaccurate. 

These actions have the effect of misleading future creditors and unfairly harming my creditworthiness by allowing an obsolete and inaccurately dated negative account to continue reporting. Each inaccurate or omitted month ( XXXX, XXXX, and XX/XX/XXXX ) represents an independent instance of noncompliance with the FCRA. 

Under FCRA 616 and 617 ( 15 U.S.C. 1681n and 1681o ), consumers are entitled to actual damages, statutory damages ( up to {$1000.00} per violation ), and, in cases of willful noncompliance, punitive damages, as well as costs and attorneys fees. 

For these reasons, I am requesting a full investigation into this accounts reporting history. Specifically, I request that the credit reporting agency and furnisher : Restore the original Date of First Delinquency ( XX/XX/XXXX ) as documented in prior credit reports ; Delete the account entirely from my credit file, as the lawful 7-year reporting period has expired based on the true DOFD ; Provide a written statement of the results of the reinvestigation within the 30-day period required under FCRA 611 ( a ) ; and Send me an updated copy of my credit report showing the corrected or deleted information. 

Failure to correct this inaccurate and obsolete reporting constitutes continued noncompliance with federal law and may result in further action or complaints to the Consumer Financial Protection Bureau ( CFPB ) and/or the Federal Trade Commission ( FTC ). 

This dispute is being made in good faith and is supported by documentation, including copies of prior credit reports showing the original DOFD ( XX/XX/XXXX ) and the most recent version showing the incorrect XXXX ( XX/XX/XXXX ). 
Please investigate this matter promptly and ensure compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation