Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Upon attempting to obtain a start up loan, purely by co incidence im sure, after years of having an impeccable payment history with spans of account not being used, XXXX decided to cut my consumer line of credit in half, it was a XXXX XXXX  dollar account. Thats just the start.that is regarding the consumer line of credit with XXXX XXXX. XXXX is the creditor. 
Then there is a second line of credit a commercial line of credit also XXXX, opened under alternate XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This business has no employees, has no employer identification number. The line of credit was opened utilizing my personal social security number. 
Yet XXXX XXXX  has never reported this account on my credit. When confronted after cutting my consumer line in half, they stated it was under the business identity. 
I am the business identity. In fact home depot refunded materials on that account when i first opened it, and they sent me a check made out to XXXX XXXX XXXX XXXX. I still have the check. I had to fight with them to put my given name on that account and re-issue a check as the business was and is run through my personal account. I have and will accept full liability for XXXX XXXX XXXX XXXX  then and now, hence XXXX XXXX 
Whole applyling for a new line of credit or a loan for a start up, XXXX XXXX XXXX, XXXX XXXX  suddenly cut my consumer line of credit, however they did not touch the commercial line, the one that they refuse to report on. Doing so offset my credit usage percentage, possibly being XXXX of the reasons for loan denial. Now due to this i have had to extend more of my credit, making me further from my goal. 
XXXX XXXX  XXXX is guilty of violation of your own statute as well as 15 usc 1681 adverse action. This in concert with chase and the sba are absolutly wrecking my otherwise impeccable score. I started a month ago at XXXX XXXX  XXXX and im still dropping last checked i was below XXXX. In XXXX month partially due to XXXX XXXX  part in this racketeering scheme to lower my credit forcing higher interestrates on loans. Not to mention the XXXX leaking my information to XXXX XXXX  who hit my credit with a hard pull before my expressed authorization, XXXX XXXX approved yet no XXXX  XXXX  will loan me the requested amount, all dome back with a lower offer. Im recording 100 % of this, for offering a loan at a lower rate than requested is XXXX XXXX XXXX XXXX  by XXXX XXXX XXXX. Chase bank did it, XXXX has supplied at least XXXX lenders that have denied a XXXX XXXX backed loan in any amount or in an amount less than requested. I will gladly supply screen shots of most every one of the firms that have adversly affected my credit in this manner. READ THE CODE, 15 usc 1681. ADVERSE ACTION! Offering a loan amount for a lesser amount than requested is a violation of this code.

Company response to consumer: Closed with explanation