Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX. Re : XXXX Card Services Incorrect Late Payment Reporting Account Ending : ( XXXX ) To Whom It XXXX Concern, I am writing to dispute the XXXX and XX/XX/XXXX late payments reported on my JPMCB Card Services account. These late payments are inaccurate and must be removed. 
I had a deferred payment arrangement in place for those months. Because the payments were deferred, they should not have been reported as late under the Fair Credit Reporting Act ( FCRA ). Deferred payments are not delinquent and should not affect credit history. 

What is inaccurate : XX/XX/XXXX reported late XX/XX/XXXX reported late Both months were covered under an approved deferment What I am requesting : Immediate correction and removal of the XXXX & XX/XX/XXXX late marks Updated payment history sent to all credit bureaus Written confirmation of the corrected reporting Please investigate this matter and provide documentation showing how these months were marked delinquent despite the deferment. If you can not verify the accuracy, the FCRA requires that you delete the information. 
Thank you for your prompt attention. 
I expect a written response once your investigation is completed. 

XXXX. Re : XXXX XXXX Bank XXXX XXXX Late Payment Reporting Account Ending : ( XXXX ) To Whom It XXXX Concern, I am writing to dispute the XXXX and XX/XX/XXXX late payments reported on my XXXX XXXX Bank XXXX account. These late payments are inaccurate and must be removed. 
I had a deferred payment arrangement in place for those months. Because the payments were deferred, they should not have been reported as late under the Fair Credit Reporting Act ( FCRA ). Deferred payments are not delinquent and should not affect credit history. 
What is inaccurate : XX/XX/XXXX reported late XX/XX/XXXX reported late XXXX XXXX reported late Both months were covered under an approved deferment What I am requesting : Immediate correction and removal of the XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX late marks Updated payment history sent to all credit bureaus Written confirmation of the corrected reporting Please investigate this matter and provide documentation showing how these months were marked delinquent despite the deferment. If you can not verify the accuracy, the FCRA requires that you delete the information. 
Thank you for your prompt attention. 
I expect a written response once your investigation is completed. 

XXXX. 
Re : XXXX XXXX Bank XXXX XXXX Late Payment Reporting Account Ending : ( XXXX ) To Whom It XXXX Concern, I am writing to dispute the XX/XX/XXXX late payments reported on my XXXX XXXX Bank XXXX account. These late payments are inaccurate and must be removed. 
I had a deferred payment arrangement in place for those months. Because the payments were deferred, they should not have been reported as late under the Fair Credit Reporting Act ( FCRA ). Deferred payments are not delinquent and should not affect credit history. 
What is inaccurate : XX/XX/XXXX reported late Both months were covered under an approved deferment What I am requesting : Immediate correction and removal of the XX/XX/XXXX late marks Updated payment history sent to all credit bureaus Written confirmation of the corrected reporting Please investigate this matter and provide documentation showing how these months were marked delinquent despite the deferment. If you can not verify the accuracy, the FCRA requires that you delete the information. 
Thank you for your prompt attention. 
I expect a written response once your investigation is completed. 
Sincerely, XXXX XXXX XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation