Consumer complaint received 2026-02-17 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: NY

Complaint narrative:
I am submitting this complaint because JPMorgan Chase Bank , N.A . continues to report a charged-off credit card account on my consumer credit reports while repeatedly claiming that the information has been verified as accurate, yet refusing to provide meaningful documentation or conduct a reasonable investigation. 

This account is being reported as charged off with a significant balance and delinquency history. I have disputed the accuracy of the reporting multiple times, specifically challenging : The calculation of the balance at charge-off The reporting of late payments The accuracy of the charge-off date The authority of Chase to continue furnishing this information Each time, Chase has responded with a generic statement that the account was verified as accurate. They have not provided : The full billing statement history supporting the alleged late payments Proof of mailing or delivery of statements allegedly sent A charge-off ledger showing how the balance was calculated Documentation showing whether interest or fees accrued after charge-off An explanation reconciling inconsistencies across credit bureaus Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), once a consumer disputes information through a credit reporting agency , the furnisher must conduct a reasonable investigation and review all relevant information provided by the consumer. A boilerplate verification response is not a reasonable investigation. 

Federal case law confirms this standard. In XXXX v. XXXX XXXX Bank, the court held that simply confirming data against internal records without addressing the substance of the dispute is insufficient under the FCRA. In XXXX XXXX XXXX Banking XXXX XXXX, the court further held that reporting information that is misleadingeven if technically accuratecan violate the FCRA. 

Additionally, I have disputed the accuracy of specific billing and balance calculations. Under the Truth in Lending Act ( 15 U.S.C. 1666 ), creditors must properly investigate billing errors. Chase has not provided documentation demonstrating compliance with those obligations. 

Chase continues to report the account as charged off and delinquent despite failing to substantiate its claims with documentary evidence. This ongoing reporting is damaging to my credit profile and financial reputation. 

I respectfully request that the CFPB require JPMorgan Chase Bank to : Provide complete documentation supporting the reported balance, charge-off date, and delinquency history. 

Demonstrate that a reasonable investigation was conducted in response to my disputes. 

Correct or delete the tradeline if the information can not be fully verified with competent documentation. 

This is not a request to delete accurate information. It is a request that Chase comply with federal law and stop relying on automated verification responses that do not meet the statutory standard of a reasonable investigation. 

I am requesting supervisory review because this appears to be a pattern practice of furnishing unverifiable information while shielding behind form responses. 

Thank you for your assistance in ensuring compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation