Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Rebuttal to JPMorgan Chase Bank , N.A . CFPB Complaint ID : XXXX Chase Reference Number : XXXX To Whom It May Concern : I am writing to formally rebut the wholly insufficient and legally deficient response provided by JPMorgan Chase Bank , N.A . ( Chase ) to the above-referenced complaint. While Chases letter dated XX/XX/XXXX ( Ref : XXXX ), makes partial admissions of their errors, it simultaneously denies any legal violation, demonstrating a fundamental disregard for their obligations under the Fair Credit Reporting Act ( FCRA ) and a failure to conduct a reasonable investigation.

My request is straightforward : due to Chases admitted history of pervasive and willfully inaccurate reporting, the only remedy that can correct this years-long violation is the permanent deletion of this account from all credit reporting agencies ( CRAs ). The following points outline the basis for this demand : 1. Admission of Willful FCRA Violations ( 15 U.S. Code 1681s-2 ( a ) ) Chases response admits they have been furnishing inaccurate information for nearly five years, stating : Weve sent the updated information to the agencies for their records. The account should show : Updated XXXX  with closure date XX/XX/XXXX ; Updated XXXX  with closure date XX/XX/XXXX ; Updated XXXX to accurately reflect payment history. This is not a courtesy correction ; it is an admission of a clear violation of the FCRA, which mandates furnishers report complete and accurate information. The inaccuracies concerning the closure date and payment history are material facts that have significantly damaged my credit profile. Their failure to report accurately for years constitutes willful non-compliance. 

2. Inconsistent and Inaccurate Charge-Off Date Chase claims the account was charged off on XX/XX/XXXX. However, this date is contradicted by their own correspondence : The account was closed on XX/XX/XXXX. 
The last payment was made on XX/XX/XXXX. Standard banking practice is to charge off an account after 180 days of delinquency ( XXXX XXXX ). 
Critically, their letter dated XX/XX/XXXX, is a pre-charge-off notice, explicitly stating : If we do not [ receive payment ], we will charge off your credit card account. This proves the account was not charged off as of that date. The XX/XX/XXXX, date appears to be an arbitrary date used to artificially extend the negative reporting period on my credit file. I demand Chase provide the specific accounting ledger entry that justifies this non-standard charge-off date.

3. Failure to Provide Proper Debt Validation Chases initial response to my validation request ( XX/XX/XXXX ) was deficient. Providing only the first page of an application and internally-generated account statements does not constitute validation of a debts validity or the terms therein. Withholding the full contractual agreement under the claim of proprietary information prevented me from verifying the terms I allegedly agreed to, making their validation attempt legally insufficient.

4. Shifting the Burden of Proof in Violation of the FCRA Chases assertion that I must provide any details or documentation to support that there is an error and that they can only act if an error is proven is a gross misstatement of the law. Under 15 U.S. Code 1681s-2 ( b ), the duty to conduct a reasonable investigation upon receipt of a consumer dispute falls solely on the data furnisher ( Chase ). Their statement reveals a fundamental misunderstanding of their legal obligations and a refusal to abide by them.

5. Loss of Confidence in Data Integrity How can I, or any consumer, have any confidence that the data Chase continues to furnish is accurate? They have admitted to inaccuracies on fundamental data points across multiple CRAs. If the closure date and payment history were wrong, what else is wrong? The balance? The date of first delinquency? The entire account history is now irreparably tainted by their admitted negligence.

Demanded Resolution Given the willful, prolonged, and material nature of these inaccuracies, a simple update is an insufficient remedy. Chase has proven itself incapable of reporting this account accurately. Therefore, I will not accept anything less than the complete deletion and permanent removal of this account from all credit files at XXXX, XXXX, XXXX, and XXXX. 

I expect confirmation of this deletion in writing from Chase and will verify it directly with the CRAs. If Chase refuses this reasonable demand, I will have no choice but to consider all available legal remedies for willful FCRA violations.

Thank you for your time and assistance in this serious matter.

Company response to consumer: Closed with explanation