Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I financed an auto lease with JPMorgan Chase Bank beginning in XX/XX/XXXX. Throughout the entire lease term, I maintained a PERFECT payment historynever late, never missed a single payment. When the COVID-19 pandemic began, JPMCB granted me a lease extension as an accommodation under CARES Act guidance, extending the original term beyond the initially agreed-upon period. 

Despite paying this account in full with flawless payment history and receiving a XXXX accommodation, JPMCB has systematically furnished inaccurate, incomplete, and materially inconsistent information to all three major credit reporting agencies, causing ongoing harm to my creditworthiness evaluation. 

SPECIFIC INACCURACIES ACROSS THE XXXX BUREAUS : XXXX  REPORTING : JPMCB has essentially abandoned proper reporting to XXXX. Nearly every data field shows no information reported, including high balance, date of last activity, date reported, and other critical account details. This creates a " ghost account '' that provides no meaningful credit history information despite my perfect payment performance. 

XXXX  XXXX : XXXX high balance of XXXX XXXX XXXX XXXX XXXX dollars, date of last activity as XX/XX/XXXX, last payment date as XX/XX/XXXX, and date reported as XX/XX/XXXX. The account type is classified as " XXXX '' with a term length of XXXX XXXX 

XXXX  REPORTING : Reports the same high balance but shows date reported as XX/XX/XXXX, XXXX XXXX MONTHS later than XXXXXXXX XXXX reporting date. The account type is classified as " XXXX XXXX '' ( NOT XXXX ), and there is no last payment date reported. Term length also shows thirty-nine months. 

MATERIAL INCONSISTENCIES AND FCRA VIOLATIONS : 1. INACCURATE TERM LENGTH : Both XXXX XXXX XXXX  report a XXXX XXXX term, which is FALSE. The lease was extended beyond XXXX XXXX due to the XXXX pandemic accommodation. JPMCB has failed to update this critical information to reflect the actual modified lease terms, creating a materially inaccurate representation of my contractual obligations. 

2. CONTRADICTORY ACCOUNT CLASSIFICATION : The same account can not be both a " Lease '' and an " Auto Loan. '' This fundamental inconsistency between XXXX XXXX XXXX demonstrates JPMCB 's failure to maintain accurate furnishing procedures and violates their duty under FCRA to provide consistent, accurate information to all credit reporting agencies.

3. MASSIVE REPORTING DATE DISCREPANCY : A ten-month gap between when information was reported to XXXX  ( XX/XX/XXXX ) versus XXXX  ( XX/XX/XXXX ) suggests XXXX bureau is receiving stale data while another has more current information. This creates confusion about the account 's actual status timeline. 

4. INCOMPLETE TRANSUNION DATA : JPMCB 's near-complete failure to furnish basic account information to XXXX  while providing detailed data to the other XXXX bureaus violates their duty to report accurately and completely to all credit reporting agencies. Consumers should not receive different credit evaluations based solely on which bureau a lender pulls from. 

5. MISSING CLOSED DATE : All XXXX  bureaus show no closed date despite the account being marked as " Closed '' with XXXX balance owed and " Paid '' status. This incomplete reporting affects debt-to-income calculations and creates ambiguity about when this obligation was actually satisfied. 

6. COVID-19 ACCOMMODATION NOT PROPERLY DOCUMENTED : Under CARES Act Section 4021 and subsequent regulatory guidance, creditors who provided payment accommodations or modifications due to COVID-19 must report these accounts accurately. JPMCB 's failure to update the lease term to reflect the COVID-19 extension and properly document this modification across all bureaus violates federal consumer protection requirements. 

7. PERFECT PAYMENT HISTORY OBSCURED : Despite never being late on a single payment throughout the entire lease term including the COVID-19 extension period, JPMCB 's incomplete and inconsistent reporting obscures this exemplary payment behavior, preventing me from receiving full credit for my responsible financial management. 

ATTEMPTS TO RESOLVE : I have attempted to resolve these reporting errors directly with JPMCB without success. The systematic nature of these violationsaffecting all XXXX  credit bureaus in different waysindicates a fundamental failure in JPMCB 's credit reporting procedures rather than a simple clerical error. 

DOCUMENTED HARM : These reporting inaccuracies have caused me tangible harm : - CREDIT EVALUATION CONFUSION : Lenders reviewing my credit receive XXXX completely different versions of the same account, creating uncertainty about my actual credit obligations and payment history. 

- CREDITWORTHINESS MISREPRESENTATION : My perfect payment history is obscured by incomplete reporting, preventing me from demonstrating my true creditworthiness. 

- DEBT OBLIGATION MISCHARACTERIZATION : The lease versus auto loan discrepancy fundamentally changes how lenders interpret this debt obligation. 

- CALCULATION ERRORS : Missing closed dates and inconsistent account information affect debt-to-income ratio calculations and credit utilization assessments. 

- CONTINUED CREDIT PROFILE CONTAMINATION : Despite fulfilling all obligations with perfect payment history, inaccurate reporting continues to harm my credit standing. 

LEGAL VIOLATIONS : JPMCB 's conduct violates : - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) - Duty to provide accurate information to credit reporting agencies - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) - Duty to review and consider information provided by consumers regarding account accuracy - Metro 2 Format reporting standards for complete and accurate account classification - CARES Act Section 4021 requirements for proper reporting of COVID-19 accommodations I maintained impeccable credit behavior throughout this lease, yet JPMCB has contaminated my credit profile with systematically inaccurate, incomplete, and inconsistent information across all three major credit bureaus. This egregious failure demands immediate regulatory intervention. 

I request that the CFPB investigate these violations and compel JPMCB to immediately correct all inaccurate information, provide written confirmation of corrections, furnish updated accurate reports to all three bureaus, and implement procedures to prevent future reporting violations.

Company response to consumer: Closed with explanation