Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Chase Bank ( JPMCB CARD SERVICES ) Attn : Credit Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : URGENT Final Dispute and Demand for Deletion Under FCRA & Identity Theft Laws To Whom It May Concern, I am writing to formally dispute the fraudulent and inaccurate reporting of three Chase Bank accounts on my XXXX credit report. This letter serves as final notice before I take legal action due to Chase Banks willful noncompliance with the Fair Credit Reporting Act ( FCRA ) and identity theft blocking provisions. 

Despite multiple submissions of my police report and FTC Identity Theft Report, these fraudulent accounts have not been deleted or blocked as required by law. Instead, Chase Bank continues to verify these accounts as accurate, despite clear evidence to the contrary. Additionally, these accounts are linked to an address where I have never lived, further proving that they are fraudulent. 

Disputed Accounts and Specific Violations : 1. JPMCB CARD SERVICES XXXX XXXXXXXX Factual Inaccuracies & Reporting Errors : Balance ( {$1900.00} ) should not be reported on a charged-off account. 
Credit limit ( {$1500.00} ) contradicts the high balance ( {$1900.00} ). 
120 Days Late was reported multiple times ( XX/XX/XXXX and XX/XX/XXXX ), which is false and misleading. 
Account reports a past-due balance despite charge-off status, violating reporting guidelines. 
This account is linked to an address I have never lived at. 

2. JPMCB CARD SERVICES XXXX XXXX Factual Inaccuracies & Reporting Errors : Balance ( {$6700.00} ) remains active despite charge-off status. 
Credit limit ( {$6000.00} ) does not match the high balance ( {$6700.00} ). 
Payment history errors include multiple false 120 Days Late reports ( XX/XX/XXXX and XX/XX/XXXX ). 
This account is tied to an address I have never lived atproof of fraud. 

3. JPMCB CARD SERVICES XXXX XXXXXXXX Factual Inaccuracies & Reporting Errors : Balance ( {$840.00} ) should not be active if the account was charged off. 
Credit limit ( {$500.00} ) does not align with the high balance ( {$840.00} ). 
Duplicate late payment reporting ( 120 Days Late in XX/XX/XXXX and XX/XX/XXXX ). 
This account is associated with an address I have never lived at, confirming identity theft. 

Violation of Identity Theft Blocking Provisions ( FCRA 1681c-2 ) Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report and police report, Chase Bank is legally required to block and permanently delete fraudulent accounts.

I have provided my police report and FTC Identity Theft Report multiple times. 
Chase Bank has failed to comply with federal law by continuing to report these fraudulent accounts. 
Chases continued reporting is a willful violation of the FCRA and will result in litigation. 

Failure to Provide Method of Verification Willful Noncompliance Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ), Chase Bank is required to provide the method of verification, including : Who was contacted to verify this information. 
When and how the verification took place. 
What specific documentation was used to confirm the accounts accuracy. 
Despite repeated disputes, Chase has failed to provide any method of verification. This is a clear violation of : 15 U.S.C. 1681s-2 ( b ) Duty to conduct a reasonable investigation.

15 U.S.C. 1681e ( b ) Requirement to maintain maximum possible accuracy. 

Furthermore, these accounts have been verified as accurate multiple times, despite my clear evidence proving otherwise, including : A police report stating I am a victim of identity theft.

An FTC Identity Theft Report proving these accounts were fraudulently opened.

Multiple disputes sent to both Chase and the credit bureaus, with Chase failing to comply with blocking provisions. 

Chases repeated verification of fraudulent accounts is a willful violation of consumer protection laws, and I will not tolerate further harm to my credit profile. 

Final Demand : Immediate Deletion or Lawsuit Due to Chase Banks blatant disregard for federal law and failure to act on clear evidence, I am demanding the immediate deletion of these accounts within 48 hours.

If these accounts are not permanently deleted, I will take the following legal actions : 1. File a federal lawsuit against Chase Bank for multiple FCRA violations, seeking : {$1000.00} per violation under 15 U.S.C. 1681n. 
Actual damages for harm caused by fraudulent reporting. 
Punitive damages for willful noncompliance.

Attorney fees and court costs.

2. File another formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

3. File another complaint with the Office of the Comptroller of the Currency ( OCC ). 4. File another complaint with the Federal Trade Commission ( FTC ) regarding Chases refu
sal to comply with identity theft blocking laws.

Final Notice This is Chases final opportunity to correct these violations before I take legal action. I expect a written confirmation of deletion within 48 hours. If Chase continues to verify these fraudulent accounts as accurate, I will immediately file suit. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation