Consumer complaint received 2026-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
CFPB COMPLAINT JPMORGAN CHASE BANK , N.A . Subject : Chase is unlawfully attempting to alter, dispute, or refurnish credit information on a mortgage account it marked CLOSED as of XX/XX/XXXX, despite having transferred servicing and assigned the mortgage, and despite having no legal authority to furnish posttransfer data. -- - 1. Nature of the Complaint JPMorgan Chase is attempting to interfere with my credit reporting by instructing XXXX to change the status of my mortgage accountyears after Chase itself closed the account and transferred servicing. This conduct is deceptive, retaliatory, and violates the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and federal prohibitions on unfair, deceptive, or abusive acts or practices ( UDAAP ). In its XX/XX/XXXX letter, Chase admits : Although XXXX is showing the loan as closed, we requested an update to show the loan was transferred. Chase has no legal authority to request an update on an account it no longer owns, no longer services, and formally assigned away in XXXX. This is an attempt to rewrite the historical record and manipulate my credit file. -- - 2. Chases Own Records Prove They Can not Furnish Anything Further Chases letter confirms : Servicing transferred XX/XX/XXXX, XXXXThe servicing of the loan transferred to XXXX XXXX XXXX on XX/XX/XXXX. Mortgage assigned XX/XX/XXXX, XXXXWeve enclosed a copy of the Assignment of Mortgage dated XX/XX/XXXX. Credit bureaus correctly show the account as closedXXXX is showing the loan as closed Once Chase transferred servicing and assigned the mortgage, it ceased to be the furnisher of record. Under FCRA 623, a furnisher may only report information while it has a relationship to the account. Chases relationship ended in XXXX. Any attempt to alter reporting after that date is false, unauthorized, and unlawful. -- - 3. Violations and Legal Exposure A. FCRA 623 Furnishing inaccurate or misleading information Chase is attempting to modify the status of a closed account years after the fact. This is not a correction of an errorit is an attempt to override accurate reporting. B. FCRA 623 ( a ) ( 2 ) Duty to update and correct information Chase is attempting to correct information that is already accurate. This is a misuse of the correction process. C. FCRA 623 ( a ) ( 5 ) Duty to report accurate date of account closure The account was closed XX/XX/XXXX. Chase is attempting to change that historical fact. D. UDAAP ( 12 U.S.C. 5531, 5536 ) Unfair and deceptive acts Altering credit reporting after a consumer files a complaint is retaliatory and deceptive. E. Interference with a transferred/assigned loan Once Chase assigned the mortgage, it lost all authority to furnish data. Attempting to do so is an unauthorized interference with a successor servicers reporting obligations. -- - 4. Harm to the Consumer Chases conduct has caused : Credit score instability due to inconsistent reporting Potential denials or higher interest rates Confusion for lenders reviewing my credit file Interference with ongoing litigation, as Chase is contradicting its own records Emotional and reputational harm Risk of longterm credit damage This is not a clerical error. It is a deliberate attempt to alter my credit history after I filed complaints. -- - 5. Requested CFPB Action I request that the CFPB require Chase to : 1. Immediately cease all attempts to modify, dispute, or refurnish information on this account. 2. Restore and preserve the accurate reporting : closed/paid/transferred as of XX/XX/XXXX. 3. Provide written confirmation that Chase will not furnish any additional information on this account. 4. Identify the employee or department that initiated the request to XXXX. 5. Explain the legal basis for attempting to alter reporting on an account Chase no longer owns or services. 6. Correct any inaccurate information already furnished to any credit bureau. 7. Implement internal controls to prevent posttransfer credit manipulation in the future. -- - 6. Evidence Provided All statements above are supported by Chases XX/XX/XXXX letter, including : Admission that XXXX shows the loan as closed Admission that Chase requested an update to change that status Admission of servicing transfer ( XX/XX/XXXX ) Admission of assignment ( XX/XX/XXXX ) These facts establish that Chases attempt to alter my credit reporting is knowingly false and legally indefensible.

Company response to consumer: Closed with explanation