Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing this complaint to report an inaccurate, invalid, and unauthorized account currently appearing on my credit report under JPMCB CARD with the account number ending in XXXX. I want to clearly state that I do not own this account, I have never opened this account, I have never applied for any credit product with JPMCB CARD associated with this number, and I have never authorized anyone else to do so on my behalf. 

This account is being reported as a collection/charge-off with derogatory status, including late payments and a charged-off balance. I have no knowledge of this debt, and there is absolutely no legitimate connection between me and this alleged account. The presence of this account on my consumer report is causing significant damage to my credit standing, financial reputation, and eligibility for loans, credit opportunities, and various financial services. 

Because JPMCB CARD has not provided any original documentation proving that I am the legal owner of this account, the account itself is unverified, inaccurate, and improperly furnished, in violation of the Fair Credit Reporting Act ( FCRA ) and all relevant federal guidelines. Below is a full explanation of what happened, why this account is invalid, and why the CFPBs intervention is necessary. 

1. I Do Not Own This JPMCB CARD Account I have never opened a credit card, revolving account, or credit line with JPMCB CARD tied to the account ending in XXXX. 
I never : applied for this account authorized this account received a card activated a card made any purchases received billing statements received disclosures received any written communication entered into any credit agreement with JPMCB CARD There is no relationshippast or presentbetween me and this alleged account.

This means the account stems from one of the following causes : identity theft clerical reporting error mixed or merged files data contamination misassociation of data furnisher system error incorrect automated matching at the CRA level Regardless of the cause, the account does not belong to me and should not appear on my credit report under any circumstance.

2. JPMCB CARD Failed to Provide Any Evidence or Documentation When I discovered this account on my credit report, I filed disputes with all three major credit reporting agencies, requesting verification and documentation. In every dispute, I clearly stated : I do not own this account I never opened any JPMCB CARD account I never authorized any charges I never received any notices about any delinquency I have no contractual relationship with JPMCB CARD I want verification under FCRA 609 and 611 Despite this, no credit bureau nor JPMCB CARD has provided any of the following required validation items : Missing Validation Documents : Signed credit card application Signed credit card agreement Identification documents used to open the account Address verification documents IP logs or digital signatures if the account was allegedly opened online Copy of the cardholder agreement Copy of statements Payment history tied to my identity Internal investigation logs Identity authentication records I have received nothing showing this account belongs to me.

This means the account is legally unverified under the FCRA.

3. Bureaus Claimed Verified But Provided No Method of Verification Each credit bureau sent me a dispute response claiming that JPMCB CARD verified the account.

However : I received no documentation I received no explanation I received no proof I received no method of verification Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a method of verification, which must include : who verified the account how it was verified what documents were used whether verification was manual or electronic what system was used ( e-Oscar, XXXX, etc. ) what the furnisher reviewed I was provided none of these required items. 

This means the credit bureaus did not conduct a reasonable reinvestigation, which is required by FCRA 611 ( a ).

4. Likely Improper Verification Through Automated Systems ( e-Oscar ) Based on standard industry practices and the insufficient response I received, it appears likely that the credit bureaus forwarded my dispute to JPMCB CARD through e-Oscar, which is an automated dispute system that : exchanges standardized codes does not transmit original documents does not require a human to review the account often leads to inaccurate verified responses If JPMCB CARD merely clicked a button to verify the account, without reviewing any documents tied to me, this violates : FCRA 611 ( a ) reasonable reinvestigation FCRA 607 ( b ) maximum accuracy FCRA 623 ( a ) ( 1 ) duty of furnishers to provide accurate data FCRA 623 ( b ) duty to investigate disputes Automated verification does not meet compliance requirements and can not justify reporting a fraudulent account.

5. Possible Identity Theft or Account Fraud Because I have never opened a JPMCB CARD account, identity theft is a strong possibility. However, JPMCB CARD has not performed any investigation to determine whether the account was fraudulently created using my identity.

No fraud packet was sent to me.

No fraud investigation was initiated.

No identity theft report was requested.

No authentication review was conducted.

No digital logs or IP address records were provided.

Their failure to investigate potential identity theft violates their duty under : FCRA 605B ( identity theft procedures ) FCRA 623 ( a ) ( 6 ) ( duty to conduct reasonable investigation ) FCRA 623 ( b ) ( duty to correct incomplete or inaccurate information ) Since they can not prove the account is mine, they must remove it.

6. Continued Reporting Is Causing Significant Harm This fraudulent JPMCB CARD account is being reported as : charged off past due delinquent derogatory late multiple times This negative information is lowering my credit score, harming my credit profile, and affecting my ability to obtain loans, housing, credit cards, and other opportunities. This is causing both financial injury and reputational damage.

Under FCRA 602 ( A ), consumers have the right to fair and accurate credit reporting because inaccurate information causes significant harm.

That exact harm is happening to me because of this account that I do not own.

7. JPMCB CARD Has Not Demonstrated Legal Standing to Report This Account In order to legally furnish the account, JPMCB CARD must demonstrate that : the debt is real I am the lawful owner they legally own or service the account the data they furnished is accurate Because they can not produce any contract or evidence tying this account to me, they lack legal standing to report it.

This makes the reporting unlawful under : FCRA 623 ( a ) ( 1 ) can not furnish inaccurate information FCRA 623 ( a ) ( 3 ) duty to report disputed accounts correctly FCRA 623 ( b ) duty to investigate disputes 8. No Chain of Custody or Account History Provided If JPMCB CARD claims that the account transferred, they must provide : chain of assignment purchase agreement or transfer agreement servicing records original account notes billing history evidence that the account belongs to me at every stage None of this has been provided.

9. The Account Must Be Deleted Under FCRA Deletion Requirements The FCRA requires the deletion of any account that is : inaccurate unverified unverifiable incomplete the result of identity theft the result of mixed files the result of furnisher error the result of CRA matching errors This JPMCB CARD account falls under every one of those categories.

The law is clear : If an account can not be verified with original documentation, it must be deleted.

10. Summary of What Happened To summarize the entire situation : A JPMCB CARD account appeared on my credit report even though I never opened it.

I disputed the account with all credit bureaus.

JPMCB CARD failed to provide any documentation.

The credit bureaus improperly marked it as verified.

No investigation was performed.

No documentation of any kind was sent to me.

My rights under the FCRA were violated.

My credit has been damaged.

The account is fraudulent and not mine.

The account must be deleted immediately.

11. Why CFPB Intervention Is Necessary I am requesting CFPB involvement because : The bureaus have failed to conduct proper reinvestigations.

JPMCB CARD has failed to provide documentation.

My rights have been violated.

My disputes have been ignored or improperly processed.

The account continues to harm my financial life.

Automated systems have overridden factual evidence.

Only regulatory oversight will resolve this matter appropriately.

12. I Am Requesting Full Investigation and Removal Because I do not own this account, I am requesting that the CFPB require : From JPMCB CARD : Original signed application Original signed agreement All identity verification documents Any account-opening records Any billing or statement history Any fraud investigation records Any dispute-handling records Chain-of-custody records if sold or transferred If such documents can not be produced and I believe they can not the CFPB must require JPMCB CARD to delete the account immediately.

From the Credit Bureaus : A full reinvestigation Suppression of the account during investigation Written method of verification Permanent deletion of unverifiable data Notification to all lenders who pulled my report Prevention of reinsertion This is necessary to restore accuracy to my consumer file. 

Conclusion This JPMCB CARD account ending in XXXX is not mine, was never authorized, and has no connection to me. 
No documentation has ever been provided to prove ownership. 
The account is unverified and inaccurate. 
Its reporting violates multiple sections of the FCRA and causes ongoing harm. 

I am requesting CFPB assistance to ensure : a lawful reinvestigation proper documentation review immediate deletion restoration of my credit accuracy correction of all procedural failures That is what happened, and that is why I am seeking the CFPBs help.

Company response to consumer: Closed with explanation