Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Supplemental Complaint Formal Dispute of Balance, Payment History, and Lack of Notification This filing is not a duplicate of Complaint # XXXX. It supplements that case by documenting additional legal violations committed by Chase after the original filing, including non-response to a mailed XXXX request and continued failure to provide verification documents. 
This filing supplements CFPB Complaint # XXXX, previously submitted regarding this same account. Despite that complaint, a mailed FACTA request, and a formal dispute letter, Chase has failed to provide the required documentation, including billing statements and legally mandated notices. 
Company : JPMCB Card Services ( Chase ) Account Reference : Chase Credit Card ending in XXXX Consumer : XXXX XXXX Formal Dispute of Balance and Payment History I am formally disputing the reported balance and payment history on this account. The credit file currently omits any actual payments field, and no supporting documentation has been provided to verify how the reported balance or late payments were calculated. 

Based solely on your failure to provide proper notice under FCRA 1681s-2 ( a ) ( 6 ) and Regulation Z, I dispute the accuracy of the following data reported to credit bureaus : 1. My payment history ; 2. The date of first delinquency and any associated default ; 3. The charge-off status and amount ; 4. Any past-due balances reported without accompanying monthly statements or prior written notice.

I received no billing statements, delinquency alerts, fraud warnings, or negative reporting notifications tied to these transactions a clear violation of multiple federal laws and regulations, including : - 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( AB ) Requires furnishers to notify consumers within 30 days of furnishing negative data to credit reporting agencies ; - Regulation Z 12 C.F.R. 1026.7 & 1026.5 ( b ) Requires credit card issuers to send clear and timely monthly billing statements ; - XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Establishes the right of consumers to sue when proper notice is not provided ; - XXXX XXXX JPMorgan Chase Affirms that furnishers bear the burden of ensuring delivery of notice, not merely its transmission ; - Regulation Z 12 C.F.R. 1026.9 ( c ) ( 2 ) ( ii ) Requires affirmative consumer consent and demonstrable delivery for e-statements to be valid.

Routine system emails or generic platform notices, without proof of actual delivery, do not meet the legal requirements of FCRA 1681s-2 ( a ) ( 6 ) or Regulation Z 1026.9 ( c ) ( 2 ) ( ii ). Therefore, the reporting is incomplete, misleading, and legally deficient, and must be corrected or deleted immediately.

Routine system emails or generic platform notices, without proof of actual delivery, do not meet the legal requirements of FCRA 1681s-2 ( a ) ( 6 ) or Regulation Z 1026.9 ( c ) ( 2 ) ( ii ). Therefore, the reporting is incomplete, misleading, and legally deficient, and must be corrected or deleted immediately.

Exhibit F-2 Chase Response to FACTA Request All Accounts ( Redacted & Annotated ) This document was received XX/XX/XXXX, in response to my FACTA letter mailed XX/XX/XXXX. It fails to meet federal verification requirements and includes no detailed transaction data, payment breakdowns, or proof of notice, in violation of FCRA 1681g and 1681i, and the FACTA amendment.

Request for Full, Itemized Monthly Statements Request for Full, Itemized Monthly Statements To properly evaluate the accuracy of this tradeline, I am requesting complete, itemized monthly account statements for the period of XX/XX/XXXX through XX/XX/XXXX. This request is specific and clearly defined. 

The statements must include : - A full list of all transactions, including : - Transaction dates- Merchant names and locations - Amounts charged - A breakdown of all payments, including : - Payment dates- Amounts paid - The balance reported each month - A clear list of all : - Interest charges, with corresponding dates and amounts - Fees ( late, returned payment, over-limit ), with dates and amounts- The statement closing date, due date, and any carried-over balance These records are necessary to substantiate or dispute any charges, delinquencies, balances, or late payments attributed to me. 

In addition, I am formally demanding copies of all notices of delinquency, fraud alerts, billing statements, and negative credit reporting notifications allegedly sent to me during this period, along with documented proof of delivery or receipt. This includes any mailed letters, emails, or electronic statements. As required by 15 U.S.C. 1681s-2 ( a ) ( 6 ) and 12 C.F.R. 1026.9 ( c ) ( 2 ) ( ii ), such notifications must be demonstrably received by the consumernot merely generated or sent through automated systems.

Legal Grounds for Demand This request is made pursuant to the following federal laws and consumer protection provisions : FCRA 1681g Entitles consumers to obtain all information in their file from a furnisher ; FCRA 1681s-2 ( b ) Requires furnishers to investigate disputed information and correct any inaccuracies ; FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) Requires furnishers and credit reporting agencies to provide documentation relied upon in any reinvestigation upon consumer request ; FCRA 1681s-2 ( a ) ( 6 ) Requires furnishers to notify consumers within 30 days of reporting negative information to credit bureaus ; FCRA 1681i ( a ) ( 5 ) ( A ) Requires deletion of information that can not be verified ; FACTA ( 2003 amendment to FCRA ) Expands consumer rights to access supporting documentation for disputed items, including detailed transaction records and verification data ; Regulation Z 12 C.F.R. 1026.5 ( b ), 1026.7, and 1026.9 ( c ) ( 2 ) ( ii ) Requires issuers to send clear, timely billing statements and obtain affirmative consumer consent for electronic delivery.

If Chase can not produce the requested documentation, I demand the immediate and permanent deletion of this tradeline from all consumer credit reports, as required under FCRA 1681i ( a ) ( 5 ) ( A ).

Failure to comply within 15 calendar days will constitute a willful violation of the above laws and may result in legal action under FCRA 1681n and 1681o, including the pursuit of statutory, actual, and punitive damages.

Violations Already Committed by Chase Due to your failure to provide billing statements, fraud alerts, delinquency warnings, or any legally required notice of negative credit reporting, as requested in our previously mailed dispute, our previously filed CFPB complaint, and our previously mailed FACTA request, you have already committed multiple violations of federal law, including : 15 U.S.C. 1681s-2 ( a ) ( 6 ) Failure to notify the consumer of negative information furnished to credit bureaus within 30 days ; 12 C.F.R. 1026.7 and 1026.5 ( b ) Failure to provide clear and timely monthly billing statements as required under Regulation Z ; 12 C.F.R. 1026.9 ( c ) ( 2 ) ( ii ) Failure to obtain affirmative consent and provide valid, demonstrable delivery of electronic statements ; FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide documentation relied upon in verifying disputed information ; FACTA ( 2003 amendment to FCRA ) Failure to provide itemized records and verification data upon request.

FCRA 623 ( a ) ( 3 ) Failure to flag the account as disputed after being notified, which misleads future users of the report.

These violations are not hypothetical or procedural they have already occurred, and I am documenting them for possible litigation under FCRA 1681n and 1681o, which provide for recovery of statutory, actual, and punitive damages in cases of willful or negligent noncompliance.

As a result of this inaccurate and unverified reporting, I have experienced adverse credit decisions and reputational harm, with no opportunity to review or challenge the underlying transactions.

Request for CFPB Action If Chase continues to withhold the requested documentation, I will escalate this matter to the FTC and the New York State Attorney General, and I am prepared to compel Chase through legal action to either produce the records or delete the tradeline.

I respectfully request that the CFPB : 1. Compel Chase to provide the full, itemized monthly statements described above ; 2. Keep the investigation open until the documentation is received and evaluated ; 3. Ensure that any reporting in the meantime is suspended or flagged as disputed, as required by law ; 4. Evaluate Chases ongoing violations for potential regulatory or enforcement action.

Company response to consumer: Closed with explanation