Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
FURNISHER ADMITS TO INACCURATE REPORTING : Demand for Deletion of Unverifiable & Inaccurate Account Description of Problem : This complaint is a formal allegation that JPMorgan Chase ( " Chase '' ) is knowingly furnishing inaccurate and unverifiable information to credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ), as proven by their own response to my prior CFPB complaint ( # XXXX ). 

Chase 's response, dated XX/XX/XXXX, did not resolve my dispute. Instead, it contained direct admissions that prove the account information is not " accurate '' as defined by law. Their own statements reveal a pattern of inaccurate reporting and an unreasonable investigation. 

1. ADMISSION OF INACCURATE & SUPPRESSED DATA. 
Chase admitted to furnishing incomplete and misleading data, stating : " The payment history has been suppressed from XX/XX/XXXX to XX/XX/XXXX. '' The Violation ( FCRA 607 ( b ) ) : " Suppressing '' payment history while simultaneously reporting a derogatory " charge-off '' status for that period is inherently inaccurate and misleading. It creates an information blackout that prevents me, or any user of the report, from verifying the events leading to the charge-off. This is a direct violation of the FCRA 's " maximum possible accuracy '' requirement. 

2. ADMISSION OF FURNISHING DATA THAT CAUSES INACCURACIES.

Chase explicitly deflected responsibility for a key inaccuracy by stating : " The past due date is not a reported field provided by Chase. '' The Violation ( FCRA 623 ( a ) ( 1 ) ( A ) & ( a ) ( 2 ) ) : As the furnisher, Chase has a duty to provide information that is complete and correct, and a continuing duty to correct and update information it knows is inaccurate. By admitting they do not furnish this field, they are acknowledging that the credit bureau is displaying a field that causes inaccuracies ( specifically, re-aging ). Their failure to take steps to correct this with the credit bureau is a breach of their ongoing responsibilities. 

3. FAILURE TO CONDUCT A REASONABLE INVESTIGATION.

My original complaint highlighted a fundamental, logical inaccuracy : the account was reported as both " current '' and " charged off. '' A reasonable investigation would have immediately identified and corrected this impossibility.

The Violation ( FCRA 611 ( a ) ( 1 ) ) : Chase 's response completely ignored this specific dispute. Their failure to even acknowledge this glaring contradiction is conclusive proof that their " investigation '' was a sham designed only to rubber-stamp existing data, not to investigate the substantive inaccuracies I raised.

4. FALSE CLAIM OF ACCURACY.

Despite the admissions above, Chase began their response with the claim : " We confirmed that your account is accurately reporting. '' This statement is demonstrably false. They can not claim the account is " accurately reporting '' while simultaneously admitting they suppress payment history and do not furnish a field that is being displayed. This demonstrates a willful disregard for the truth.

Consolidated Legal Argument & Demand : Chase 's own words prove they are furnishing information they know to be incomplete, misleading, and the cause of specific inaccuracies. Their " investigation '' was unreasonable as it ignored core disputes. The entire tradeline is now unverifiable and unreliable.

Company response to consumer: Closed with non-monetary relief