Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate, unverifiable, and incomplete information reported on my credit report regarding the above-referenced account with JPMCB Card, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.. The information reported by JPMCB Card and maintained by XXXX XXXX XXXX XXXX violates multiple provisions of federal law, as outlined below. I demand that this account be permanently deleted from my credit files due to these violations. 
Specific Violations and Errors Identified Based on my review of the credit reports from XXXX XXXX XXXX XXXX, the following errors and violations are present for the JPMCB Card account ( Account # XXXX ) : 1. Inaccurate and Unverifiable Reporting of Late Payments and Charge-Off Status * The account is reported with a payment status of Charged off as bad debt and a past due amount of {$2200.00} across all three bureaus, with a two-year payment history indicating CO ( charge-off ) for multiple months. This reporting is inaccurate and unverifiable under 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies ( CRAs ) to maintain reasonable procedures to assure maximum possible accuracy. 
* JPMCB Card has failed to provide verifiable evidence ( e.g., a signed contract, payment history, or written authorization ) to substantiate the alleged debt or late payments, rendering the reporting unverifiable under 15 U.S.C. 1681i ( a ) ( 1 ), which mandates CRAs to conduct a reasonable investigation and delete unverifiable information. 
* The inconsistent Date of Last Payment ( XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX  ) and Date Last Active ( XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX  ) suggest incomplete and contradictory data, violating 15 U.S.C. 1681s-2 ( b ), which requires furnishers to report accurate and complete information. 
2. Unauthorized Furnishing of Information * Under 15 U.S.C. 1681b ( a ) ( 2 ), a CRA may only furnish a consumer report with the consumers written authorization or a permissible purpose. I have not provided written instructions to JPMCB Card or the CRAs to furnish this account, rendering the reporting unlawful. 
* The CRAs failure to verify my authorization prior to including this account violates 15 U.S.C. 1681b ( c ), which restricts the dissemination of consumer reports without consent.

3. Improper Treatment of Payments as Late * Pursuant to 15 U.S.C. 1666b ( a ) ( part of the Truth in Lending Act, incorporated into FCRA disputes ), a creditor may not treat a payment on a credit card account as late for any purpose unless the creditor provides a reasonable time to make the payment. The reported late payments and charge-off status fail to demonstrate compliance with this provision, as JPMCB Card has not provided evidence of proper billing statements or reasonable payment windows. 
* I demand that all late payment notations be updated to Paid on Time or deleted entirely, as they are inaccurate and unverifiable.

4. Failure to Validate Debt Under FDCPA * As a furnisher, JPMCB Card is subject to the FDCPA when reporting collection-related information. Under 15 U.S.C. 1692g ( b ), a debt collector must validate a disputed debt upon request. I have not received proper validation of this alleged debt, including a signed contract or itemized account statements, rendering the continued reporting a violation of FDCPA. 
* The CRAs failure to remove this unvalidated debt violates 15 U.S.C. 1681i ( a ) ( 2 ), which requires deletion of disputed information that can not be verified.

5. Outdated or Incomplete Information * The account is marked as Closed with a {$0.00} monthly payment, yet it reports a past due amount of {$2200.00} This contradiction suggests incomplete reporting, as a closed account should not reflect an ongoing obligation without clear documentation. This violates 15 U.S.C. 1681s-2 ( a ) ( 2 ), requiring furnishers to correct and update incomplete information.

* The Comments field varies across bureaus ( e.g., Canceled by credit grantor vs. Charged off account ), further indicating inconsistent and incomplete reporting under 15 U.S.C. 1681e ( b ). 
Supporting Case Law In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court held that a CRAs failure to conduct a reasonable investigation into disputed unverifiable information constitutes a violation of 15 U.S.C. 1681i ( a ). The court further ruled that inaccurate reporting of a charge-off status without substantiation warrants deletion of the account. This precedent supports my demand for permanent deletion, as JPMCB Card and the CRAs have failed to provide verifiable evidence of the alleged debt or late payments. 
Additionally, under the Doctrine of Estoppel by Silence, as cited in Engelhardt v. Gravens, 281 S.W. 715 ( Mo. 1926 ), JPMCB Cards failure to produce proof of the alleged debt upon dispute implies that no such proof exists. This doctrine reinforces my position that the account is unverifiable and must be deleted.

Demand for Relief In accordance with 15 U.S.C. 1681i ( a ) ( 1 ), I demand the following within 10 days of receipt of this letter : 1. Permanent deletion of the JPMCB Card account ( # XXXX ) from my credit files at XXXX XXXX XXXX XXXX due to its inaccurate, unverifiable, and incomplete status. 
2. Correction of all late payment notations to reflect Paid on Time or deletion of the account entirely, pursuant to 15 U.S.C. 1666b ( a ). 
3. Cease and desist from furnishing this unverified account information, as required by 15 U.S.C. 1681b ( a ) ( 2 ) and 15 U.S.C. 1692e.

4. Provide written confirmation of my authorization to report this account, or delete it if no such authorization exists, per 15 U.S.C. 1681b ( c ). 
5. Provide validation of the alleged debt, including a signed contract, complete payment history, and billing statements, per 15 U.S.C. 1692g ( b ).

Failure to comply with these demands within the statutory 30-day investigation period under 15 U.S.C. 1681i ( a ) ( 1 ) will result in further action, including but not limited to, filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies for damages under 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligent noncompliance ).

Additional Notes * This dispute is submitted Without Prejudice under UCC 1-308, reserving all my rights. 
* Please conduct your investigation in compliance with the e-OSCAR system requirements and provide a detailed investigation report, including all communications with JPMCB Card, as required by 15 U.S.C. 1681i ( a ) ( 6 ).

* I have not waived my right to privacy, as protected by 15 U.S.C. 1681 ( a ) ( 2 ).

Please send all correspondence to the address listed above. I expect a response of compliance within 10 days of receipt of this letter.

Company response to consumer: Closed with explanation