Consumer complaint received 2025-03-01 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: IL

Complaint narrative:
XXXX. XXXX XXXX and XXXX XXXX ( Violations of 15 U.S.C. 1681s-2 ( a ) ) Chase has wrongfully reported business credit cards under my personal credit file in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information that they know or have reasonable cause to believe is inaccurate. 
The accounts in question are Chase XXXX XXXX XXXX XXXX that should not be reported on my personal consumer report. 
Chase falsely claims that I am personally responsible, yet they have failed to provide any signed agreement proving my liability. 
Chase has transferred these accounts to new numbers ( from XXXX  to XXXX  and from XXXX  to XXXX  ) to continue reporting them under my credit file after my disputes.

This tactic makes it intentionally difficult for me to dispute the accounts because I have no prior kn

owledge of the new numbers. 2. Chases Unlawful Reclassification of Business Accounts ( Violations of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ) Chase has reclassified these business credit cards to appear as general Credit Cards or Flexible Spending Credit on my personal credit report in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ),
which prohibits furnishers from providing information that is misleading or materially incorrect. 
Their own Chase Business Ink Card Agreement does not grant them the right to reclassify business accounts in this way.

The only clause in their agreement states that business accounts over 60 days late may be reported, but it does not justify the reclassification from business to personal.

3. Chases Failure to Correct Inaccuracies Despite Multiple Disputes ( Violations of 15 U.S.C. 1681s-2 ( b ) ) I have repeatedly disputed these inaccuracies with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission XXXX FTC ) All three credit reporting agencies ( XXXX, XXXX, and XXXX ) Chases Executive Office Under 15 U.S.C. 1681s-2 ( b ), once a furnisher receives notice of a dispute from a credit bureau , it must conduct a reasonable investigation and correct inaccuracies.

Chase has failed to correct these errors, despite receiving notice from the credit bureaus.

Chase has acknowledged in a XX/XX/year> call with their XXXX XXXX that these are indeed business credit cards. 
Despite this, Chase refuses to instruct the credit bureaus to correct their reporting. 
On XX/XX/year>, I spoke with XXXX from XXXX XXXX XXXX Department, who refused to correct the misclassification. 
On XX/XX/year> ( XXXX XXXX  - XXXX XXXX  XXXX ), I spoke with XXXX in XXXX XXXX XXXX Department, who also could not explain where Chase is granted the right to reclassify a business credit card. 
4. Chases Actions Have Caused Me Financial Harm ( Violations of 15 U.S.C. 1681n and 1681o ) Due to Chases false reporting, my XXXX XXXX has suffered severe damage. 
As a result of the inaccurate reporting, my home went into foreclosure, and I am now at risk of homelessness. 
I have notified Chase that I no longer work for the company associated with the accounts. 
Chase is now harassing me for payments on a debt that I am not personally liable for.

Under 15 U.S.C. 1681n, willful noncompliance with the Fair Credit Reporting Act ( FCRA ) makes Chase liable for damages, attorneys fees, and punitive damages.

Under 15 U.S.C. 1681o, negligent noncompliance with the FCRA makes Chase liable for actual damages and attorneys fees.

Company response to consumer: Closed with explanation