Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am writing to formally dispute the entire JPMCB CARD account listed under account number XXXX. After reviewing my credit report, I have identified several serious discrepancies that I believe require the immediate removal of this account from my credit report. 

I demand the removal of this account in its entirety due to the following reasons, and I request the corresponding XXXX dispute codes be applied : Inaccurate Charge-Off Reporting : The account has been reported as charged off with a balance of {$12000.00} as of XX/XX/year>. This is inconsistent with the payment history on my account, including a last payment made in XX/XX/year>. 
XXXX Dispute Code : XXXX ( Account Status - Not Reported Correctly ) According to 15 U.S. Code 1681e, credit reporting agencies are required to ensure that all information reported is accurate. Given the discrepancies in the charge-off and payment history, I request this account be completely removed from my report. 
Incorrect Balance and Credit Limit : The account balance of {$12000.00} exceeds the reported credit limit of {$10000.00}, which is a clear error. 
XXXX  Dispute Code : XXXX ( Balance Discrepancy ) As per 15 U.S. Code 1681c, any inaccurate information regarding balance and credit limit must be corrected. Since this account is reporting inaccurately, I request the removal of the account entirely from my report. 
Failure to Disclose Investigative Consumer Report : If an investigative consumer report was used to obtain personal or character information for this account, 15 U.S. Code 1681d requires that I be informed of the nature and scope of such a report. No such disclosure has been made, and I am requesting an immediate investigation and verification. If this disclosure can not be provided, I demand the removal of the entire account. 
XXXX  Dispute Code : XXXX ( Failure to Provide Adequate Information for Investigation ) Violation of Dispute and Reporting Procedures : Under 15 U.S. Code 1681i, I have the right to dispute any inaccurate information on my credit report, and the credit reporting agency is required to investigate and correct any errors. Given that the information in this account is incorrect and unverifiable, I request the immediate removal of the account in its entirety. 
XXXX Dispute Code : XXXX ( Inaccurate Information ) I am formally requesting that this account be removed from my credit report as it contains multiple inaccuracies and is not in compliance with the Fair Credit Reporting Act. Please apply the appropriate XXXX codes in your investigation and provide written confirmation of the removal of this account from my credit report. Additionally, please send me a copy of my updated credit report once the removal is processed. 

Thank you for your immediate attention to this matter. I expect this issue to be resolved promptly and in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation