Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Whom It May Concern, This serves as my formal legal notice and demand for the deletion or correction of inaccurate charge-off reporting associated with the following two accounts currently being furnished to the consumer credit reporting agencies : JPMCB Card AccounXXXX XXXX XXXXXXXX Balance : $ XXXX Opened : XXXX : Charged Off JPMCB Card Account # XXXX Balance : $ XXXX Opened : XXXX : Charged Off Although I acknowledge these are separate accounts, your current reporting of these tradelines contains material inaccuracies and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( XXXX ), and XXXX XXXX compliance reporting standards. 
Violations Identified Continued CO ( Charge-Off ) Reporting After Original Charge-Off Date : The ongoing monthly charge-off updates are misleading, artificially lowering my XXXX XXXX. Per XXXX XXXX guidelines ( XXXX XXXX XXXX XXXX ), once charged off, an account must reflect a {$0.00} scheduled payment and should not continue delinquency aging. 
Inconsistent Balances and XXXX XXXX XXXX XXXX XXXX : Inconsistent data furnished to XXXX XXXX XXXX, and XXXX violates FCRA 607 ( b ), which requires furnishers to maintain maximum possible accuracy. 
Failure to Correct or Properly Report Date of First Delinquency ( DOFD ) : Discrepancies in DOFD and charge-off dates constitute inaccurate reporting under FCRA 623 ( a ) ( 1 ) ( A ).

Conflicting Representations Without a Form 1099-C : Reporting these accounts as charged-off while asserting that no 1099-C has been issued creates confusion about whether the debt is canceled or still collectible a deceptive and misleading practice prohibited under FCRA 602 ( a ).

Formal Demand You are hereby provided 15 business days from receipt of this notice to : Provide complete validation and documentation of both accounts ( including XXXX, charge-off date, and balance calculation ) ; OR Delete both tradelines in their entirety from all consumer reporting agencies listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failure to comply will result in immediate escalation, including : A supplemental CFPB complaint for continued furnishing after formal dispute notice. 
XXXX complaints to the FTC and Minnesota Attorney General. 
Legal action seeking statutory damages of up to {$1000.00} per violation under FCRA 616 and actual damages under 617, plus attorneys fees and costs. 

Requested Resolution Written confirmation of deletion or corrected reporting for both accounts within 15 business days.

A copy of any Form 1099-C issued or documentation showing why it has not been issued. 
XXXX XXXX XXXX-compliant reporting to all CRAs listed above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation