Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
TRIPLE EMERGENCY - EXPEDITED REVIEW REQUESTED FEDERAL CONTRACTOR WITH SECRET CLEARANCE CONTINUOUS EVALUATION ( CE ) PROGRAM - ACTIVE MONITORING HOUSING CLOSING DEADLINE : XX/XX/XXXX ( 10 WEEKS ) EMPLOYMENT TERMINATION IMMINENT IF CLEARANCE LOST SYSTEMATIC ILLEGAL RETALIATION UNDER FCRA DOCUMENTED FICO SCORE DAMAGE - GRAPH ATTACHED FACING HOMELESSNESS WITH CHILD - IMMEDIATE INTERVENTION REQUIRED CLEARANCE EMERGENCY : I hold a Secret security clearance as a federal contractor I am enrolled in Continuous Evaluation ( CE ) program My credit reports are being ACTIVELY MONITORED in real-time by Department of Defense security systems Chase 's FALSE credit reporting is appearing in active security monitoring RIGHT NOW A clearance review could trigger ANY DAY based on these false reports Loss of clearance = IMMEDIATE TERMINATION of federal employment This is not speculative- this is how CE program works CRITICAL EVIDENCE : Chase reported XXXX XXXX as " OK/good standing '' on XX/XX/XXXX I made up ALL missed payments in XX/XX/XXXX ( when I was informed I missed ) I made XXXX 's regular payment ON TIME ( XX/XX/XXXX ) Chase NEVER charged any late fees for XXXX XX/XX/XXXX : I challenged Chase 's Credit Bureau Reporting Department XX/XX/XXXX XXXX Chase RETALIATED by changing Feb-Sept to " 30-60 days late '' across all three bureaus - BEFORE I filed any formal disputes XX/XX/XXXX : Chase SUPERVISOR reviewed my account and stated : " I do not see any missed or late payments for XXXXthis year '' and " no late fees, so those months should not be reported as late to the credit bureaus '' XX/XX/XXXX : Supervisor helped me access my account to gather documents to " show them '' ( the credit bureaus ) XX/XX/XXXX : I filed formal disputes with all three credit bureaus based on supervisor 's confirmation Chase reported XXXX as late despite THREE payments totaling {$180.00} in that month, including the regular on-time payment RECORDED SUPERVISOR CALL ( XX/XX/XXXX ) proves Chase 's reporting is false and retaliatory. Chase must produce this recording. 


NATURE OF COMPLAINT : I am filing an EMERGENCY complaint regarding systematic illegal furnisher retaliation by JPMorgan Chase Bank , N.A . in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

Chase engaged in willful, coordinated retaliation by retroactively changing credit reporting across ALL THREE credit bureaus ( XXXX XXXX XXXX ) from " good standing '' to " 30-60 days late '' ONLY AFTER I challenged their reporting on XX/XX/XXXX. 

Chase changed their reporting BEFORE I filed any formal disputes with credit bureaus, proving this was retaliation for being challenged, not the result of any investigation.

Two days after Chase made these retaliatory changes, Chase 's own SUPERVISOR confirmed on a recorded call that there were " no missed or late payments for XXXX '' and that without late fees, the months " should not be reported as late to the credit bureaus. '' TRIPLE EMERGENCY - IMMEDIATE CFPB INTERVENTION REQUIRED EMERGENCY # XXXX : SECRET CLEARANCE JEOPARDY I am a XXXX XXXX holding a SECRET SECURITY CLEARANCE. This clearance is required for my employment and allows me to access classified information and work on sensitive government projects. 

I am currently enrolled in the CONTINUOUS EVALUATION ( CE ) PROGRAM administered by the Department of Defense. This program means : My credit reports are being ACTIVELY MONITORED in real-time by DoD security systems The monitoring is AUTOMATED and CONTINUOUS Credit issues trigger AUTOMATIC FLAGS in the security system These flags can trigger a clearance review at ANY TIME without warning Reviews can happen within DAYS of negative credit reporting appearing Chase 's false credit reporting is appearing in this active security monitoring system RIGHT NOW. The false late payment reports are being flagged as potential financial problems.

WHAT THIS MEANS : A clearance review could be triggered ANY DAY. When that happens : I will be questioned about the " late payments '' I will have to explain the credit issues The reviewing authority sees " 60 days late '' across multiple months Even with my explanation, the volume of negative marks raises red flags Clearance can be suspended during review Suspension = immediate removal from classified work Removal from classified work = CONTRACT TERMINATION This is not " might happen '' - this is how the CE program works If I lose my clearance : My federal contract employment ends IMMEDIATELY I can not work on classified projects My employer can not keep me without clearance I lose my income within days I can not get another federal contractor job without clearance Rebuilding clearance takes MONTHS even after credit is corrected This is URGENT because : The false reporting is in DoD systems NOW A review could trigger tomorrow or next week Once clearance review starts, damage is done I need Chase 's false reporting corrected BEFORE review triggers EMERGENCY # 2 : HOUSING JEOPARDY I am purchasing the home where my son and I currently live. Closing is scheduled for XX/XX/XXXX - approximately 10 weeks from now. 

Chase 's illegal retaliation and the resulting credit score damage are directly threatening my mortgage approval. My lender has raised concerns about the credit issues. 

If this purchase fails due to Chase 's illegal conduct : My child and I will be HOMELESS in XX/XX/XXXX We can not afford to rent in our area ( rental costs exceed mortgage payments ) My child will lose stability and security during a critical time I will lose the opportunity to build equity and financial security This is not theoretical- I have a closing deadline in approximately 10 weeks.

EMERGENCY # 3 : EMPLOYMENT JEOPARDY Between clearance loss and housing loss, my ability to maintain stable employment is at risk : Loss of clearance = immediate job termination Loss of housing = instability that makes job search difficult Both together = catastrophic situation for me and my child This is a TRIPLE EMERGENCY where each component threatens the others : Can't keep job without clearance Can't keep house without income Can't get new clearance without stable housing/employment All three are interconnected and ALL are threatened by Chase 's false reporting I need URGENT/EXPEDITED review and immediate CFPB intervention before the January deadline and before a clearance review is triggered.

DOCUMENTED EVIDENCE I POSSESS I have comprehensive documentation proving Chase 's illegal retaliation : Official credit reports from ALL THREE bureaus dated XX/XX/XXXX, showing Chase reported XXXX XXXX as " OK/good standing/current '' Official credit reports from ALL THREE bureaus from XX/XX/XXXX showing Chase changed XXXX XXXX to " 60 days late '' after I challenged them FICO Score 8 graph showing dramatic credit score drop in XX/XX/XXXX coinciding exactly with Chase 's retaliatory reporting changes Bank statements proving I made XXXX 's regular payment ON TIME ( XX/XX/XXXX, {$46.00} ) plus TWO makeup payments ( XX/XX/XXXX, {$92.00} and XX/XX/XXXX, {$46.00} ) - total {$180.00} in XXXX alone Credit monitoring alerts showing when Chase changed reporting ( XX/XX/XXXX XXXX RECORDED CALL with Chase SUPERVISOR ( XX/XX/XXXX ) where supervisor stated : " I do not see any missed or late payments for XXXXthis year '' " We only report late payments if we charge a late fee '' " I do not see any late fees charged to your account '' " No late fees, so those months should not be reported as late to the credit bureaus '' Helped me access my online account after a multiple-months long lockout Told me to gather documents to " show them '' ( encouraging me to dispute with credit bureaus ) Timeline documentation showing I scheduled makeup payments IMMEDIATELY when informed of missed months ( good faith conduct ) Evidence showing I was locked out of my online account for approximately 9 months ( XXXX XXXX ), preventing me from monitoring my account Documentation of Secret clearance and Continuous Evaluation enrollment COMPLETE TIMELINE OF EVENTS I am providing the complete, accurate timeline to show my good faith conduct throughout and Chase 's pattern of retaliation : XXXX XXXX - INITIAL MISSED PAYMENTS : I acknowledge that I missed payments for XXXX, XXXX, and XX/XX/XXXX. 
However, the critical facts are : I was locked out of my Chase online account during this period ( system said account " doesn't exist '' when I tried to log in ) I was unable to view statements or monitor my account After I spoke with Chase customer service during this period, representatives repeatedly told me my account was " current '' and " in good standing '' Chase was reporting to all three credit bureaus that these months were " OK '' and in " good standing '' ( see XX/XX/XXXX credit reports below ) Chase NEVER charged any late fees for these months IMPORTANT : I made up ALL of these missed payments in XX/XX/XXXX as soon as I was informed of them. I scheduled each makeup payment IMMEDIATELY during the same phone call when I learned about the missed month. 

XX/XX/XXXX - CHASE REPORTS ALL MONTHS AS " GOOD STANDING '' : I obtained official credit reports from all three credit bureaus. These reports are CRITICAL EVIDENCE : XXXX  ( Report dated XX/XX/XXXX ) : Chase reported XXXX XXXX as " OK '' - showing no missed payments XXXX  ( Report from XXXX ) XXXX Chase reported XXXX XXXX as " OK/Current '' - showing no missed payments XXXX  ( Report dated XX/XX/XXXX ) XXXX Chase showed NO late payment marks for XXXX SIGNIFICANCE : As of XX/XX/XXXX, Chase was telling all three credit bureaus that my account was in good standing with no missed payments for XXXX through XX/XX/XXXX. This was consistent with what Chase 's customer service had told me on the phone. 

Whether this XXXX reporting was accurate or not, Chase CAN NOT change it retroactively after I challenge them - that is illegal retaliation under FCRA. 

XX/XX/XXXX - REGULAR XXXX PAYMENT MADE ON TIME : I made my regular monthly payment for XXXX : {$46.00} payment posted to Chase account. This payment was ON TIME. 

Bank statement attached proving this payment. 

XX/XX/XXXX - DISCOVERED XXXX LATE REPORTING : I monitor my credit reports regularly due to my upcoming mortgage application AND my security clearance Continuous Evaluation. My credit monitoring alerted me that Chase had begun reporting XXXX and XXXX as late payments. 

I was confused because : XX/XX/XXXX credit reports showed everything as " OK '' Chase reps had told me account was current I had been making payments I immediately called Chase customer service. During this call : This was the FIRST TIME Chase mentioned the XXXX missed payment I IMMEDIATELY scheduled a makeup payment during that same phone call I was told my account would be in " good standing '' once the payment was made The representative suggested I contact the Credit Bureau Reporting Department ACTION TAKEN : I scheduled makeup payment immediately - demonstrating good faith. 

XX/XX/XXXX - MAKEUP PAYMENT POSTED : {$92.00} payment posted to Chase account. This payment was intended to make up the missed XXXX and XXXX payments. 

Bank statement attached proving this payment. 

XX/XX/XXXX - CHASE CALLED ABOUT OUTSTANDING BALANCE : Chase called ME regarding an outstanding balance. During this call : Chase representative mentioned additional payment issues I asked why I wasn't informed about these issues on previous calls Representative had no answer I IMMEDIATELY scheduled additional payment ( s ) during that same phone call I asked multiple times to confirm my account would be in " good standing '' Representative confirmed it would be Representative advised me to call Credit Bureau Reporting Department ACTION TAKEN : I again scheduled payment ( s ) immediately when informed - demonstrating continued good faith. 

XX/XX/XXXX - ADDITIONAL MAKEUP PAYMENT POSTED : {$46.00} payment posted to Chase account. This was makeup for XXXX ( which I had just learned about ). 

Bank statement attached proving this payment. 

TOTAL XXXX PAYMENTS : {$180.00} ( {$46.00} + {$92.00} + {$46.00} ) across THREE separate payments XX/XX/XXXX - CALLED CHASE CREDIT BUREAU REPORTING DEPARTMENT : After making all makeup payments and ensuring my account was current, I called Chase 's Credit Bureau Reporting Department to understand why : XXXX and XXXX were being reported as late When these would be corrected since I had made makeup payments This call was EXTREMELY DIFFICULT : Regular customer service representatives did NOT want to transfer me I was told to call the credit bureaus directly instead I had to insist multiple times Eventually reached Credit Bureau Reporting Department During this call with Credit Bureau Reporting : The representative would not provide clear answers I mentioned I was considering disputing with the credit bureaus I asked for an investigation Representative kept asking if I thought there was " fraud '' or an " error '' I stated : " I think there is an error '' Representative did not agree with me I did not get resolution or meaningful assistance SIGNIFICANCE : I challenged Chase 's credit reporting on XX/XX/XXXX. I mentioned disputing. I made it clear I believed their reporting was inaccurate. 

NOTE : I had NOT yet filed any formal disputes with XXXX, XXXX, or XXXX  at this point. I was simply challenging Chase directly. 


XX/XX/XXXX - CHASE 'S ILLEGAL RETALIATION : My credit monitoring alerted me that Chase had made significant changes to their credit bureau reporting. 

I checked my credit reports and discovered : BEFORE ( XX/XX/XXXX ) : XXXX XXXX : All reported as " OK/good standing '' AFTER ( XX/XX/XXXX ) : XXXX XXXX : ALL NOW reported as " 60 days late '' This change occurred across ALL THREE credit bureaus simultaneously : Equifax : XXXX now showing as XXXX days late TransUnion : XXXX now showing as missed payments Experian : XXXX now showing as XXXX days late TIMING IS CRITICAL : XX/XX/XXXX : I challenged Chase and mentioned disputing 19 days later XX/XX/XXXX : Chase changed reporting across all three bureaus I had NOT filed any formal disputes with credit bureaus yet. Chase made these changes in response to my XX/XX/XXXX phone call where I challenged them - NOT in response to any consumer dispute investigation under FCRA. 

This is textbook illegal retaliation : making credit reporting worse after a consumer challenges you. 

ADDITIONAL PROOF OF RETALIATION : Chase reported XX/XX/XXXX as late, despite : XX/XX/XXXX : Regular payment made ON TIME ( {$46.00} ) XX/XX/XXXX : Additional payment ( {$92.00} ) XX/XX/XXXX : Additional payment ( {$46.00} ) TOTAL : {$180.00} paid in XXXX How can Chase claim XXXX was " 60 days late '' when I made THREE payments totaling {$180.00} in that month, including the regular on-time payment? 

This proves Chase 's reporting is false and retaliatory, not corrective. 

IMMEDIATE IMPACT ON CLEARANCE : These false reports entered my Continuous Evaluation monitoring on XX/XX/XXXX. 
My security file now shows multiple " 60 days late '' marks across three bureaus.

This is exactly the type of financial issue that triggers clearance reviews. 

XX/XX/XXXX - SUPERVISOR CALL ( RECORDED ) : Two days after Chase made these retaliatory changes, I called Chase again to speak with the Credit Bureau Reporting Department.

The conversation was similar to XX/XX/XXXX- I was getting nowhere. 

I requested to speak with a SUPERVISOR. 

A CHASE SUPERVISOR came on the line. This call was RECORDED by Chase ( as all their calls are ). Chase must produce this recording as it proves everything I am stating.

THE SUPERVISOR 'S STATEMENTS ( all on recorded call ) : STATEMENT # 1 - NO MISSED OR LATE PAYMENTS : The supervisor reviewed my account in Chase 's system and told me : " I do not see any missed or late payments for XXXX/this year '' She specifically said " for XXXX '' and " this year '' - indicating she had reviewed my entire payment history for XXXX. 

SIGNIFICANCE : This was TWO DAYS after Chase had reported XXXX as 60 days late to all three credit bureaus. Yet Chase 's own supervisor, looking at Chase 's own internal records, said she saw NO missed or late payments for XXXX. 

WHY THE SUPERVISOR WAS CORRECT : I had made up XXXX, XXXX, and XXXX in XXXX I had made regular payments for XXXX I had made THREE payments in XXXX ( including on-time regular payment ) The account was current with no outstanding late payments STATEMENT # 2 - CHASE 'S POLICY ON LATE REPORTING : The supervisor explained Chase 's official policy regarding when they report late payments to credit bureaus. She stated : " We only report late payments if we charge a late fee '' This was a clear, official policy statement from a supervisor with full authority and training. 

STATEMENT # 3 - NO LATE FEES CHARGED : The supervisor confirmed : " I do not see any late fees charged to your account '' She verified that NO late fees had been charged for XXXX, XXXX, XXXX, or any other month in XXXX. 

STATEMENT # 4 - SHOULD NOT BE REPORTED LATE : Based on her review and Chase 's policy, the supervisor told me : " No late fees, so those months should not be reported as late to the credit bureaus '' She was directly stating that according to Chase 's policy ( no late fee = no late reporting ) and her review of my account ( no late fees charged ), the months should NOT be reported as late.

STATEMENT # 5 - HELPED ME ACCESS ACCOUNT : The supervisor unlocked my online account, which I had been unable to access for months ( the system kept saying my account " doesn't exist '' ).

She sent me a code that allowed me to log in and view my account for the first time in months.

STATEMENT # 6 - TOLD ME TO GATHER DOCUMENTS TO " SHOW THEM '' : After reviewing my account and making all the above statements, the supervisor told me to : Access my online account Pull/download documents and statements " You can show them '' MEANING : The supervisor was telling me to gather documentation and use it to " show them '' - meaning show the credit bureaus or whoever needed to see proof.

She was essentially telling me to dispute the inaccurate credit reporting because based on her review : No late payments for XXXX Chase 's policy : only report late if late fee charged No late fees were charged Therefore, months should not be reported as late WHY SUPERVISOR 'S STATUS MATTERS : This was a SUPERVISOR making these statements, not an entry-level representative. 
This is legally significant because : Supervisors have extensive training and experience Supervisors have full access to Chase 's systems and records Supervisors are authorized to make official policy statements Supervisors speak with Chase 's corporate authority Chase can not claim " she didn't know '' or " she made a mistake '' When a SUPERVISOR reviews an account, explains company policy, and tells a customer the reporting is wrong, that represents an official assessment from Chase. 

XX/XX/XXXX - FORMAL DISPUTES FILED : The SAME DAY as the supervisor call ( XX/XX/XXXX ), I filed formal disputes with all three credit bureaus : XXXX  XXXX  XXXX  I filed these disputes BECAUSE : Chase 's own supervisor confirmed there were no late payments for XXXX Supervisor confirmed no late fees were charged Supervisor stated Chase 's policy : no late fee = no late reporting Supervisor said the months should NOT be reported as late Supervisor helped me access documentation to support my dispute I was exercising my legal right under FCRA to dispute inaccurate information, and I was doing so based on Chase 's own supervisor telling me the reporting was wrong. 



WHY THIS IS ILLEGAL FURNISHER RETALIATION UNDER FCRA Under 15 U.S.C. 1681s-2 ( b ), when a consumer disputes information, the furnisher must : 1. Conduct reasonable investigation 2. Review all relevant information provided by consumer 3. Report results to credit bureaus 4. NOT retaliate against consumer for exercising dispute rights Chase violated ALL of these requirements : VIOLATION # 1 : RETALIATION FOR CHALLENGING THEM Timeline proves retaliation : XX/XX/XXXX : Chase reports XXXX XXXX XXXX OK/good standing '' to all three bureaus XX/XX/XXXX : I challenge Chase and mention disputing XX/XX/XXXX : Chase changes reporting to show Feb-Sept as " 60 days late '' This happened BEFORE I filed any formal disputes Chase made my credit reporting WORSE after I challenged them, not better. Chase changed reporting that they had been providing for months as " good standing '' to suddenly show as " late '' - ONLY AFTER I challenged them.

This is textbook illegal furnisher retaliation under FCRA.

VIOLATION # 2 : THEIR OWN SUPERVISOR CONTRADICTED THE REPORTING XX/XX/XXXX : Chase reports Feb-Sept as 60 days late XX/XX/XXXX : Chase 's supervisor says " no missed or late payments for XXXX '' If Chase conducted any reasonable investigation before changing the reporting on XX/XX/XXXX, why did their own supervisor contradict that reporting just TWO DAYS LATER?

The supervisor reviewed the account and found : No late payments for XXXX No late fees charged By Chase 's policy, nothing should be reported late Yet Chase 's XX/XX/XXXX reporting showed multiple months as 60 days late. 

This proves Chase did NOT conduct a reasonable investigation. They retaliated. 

VIOLATION # XXXX : REPORTING XXXX AS LATE DESPITE ON-TIME PAYMENT XX/XX/XXXX payments : XX/XX/XXXX : {$46.00} ( regular on-time payment ) XX/XX/XXXX : {$92.00} ( makeup payment ) XX/XX/XXXX : {$46.00} ( makeup payment ) TOTAL : {$180.00} Chase reported XXXX as " 60 days late. '' QUESTION : How can a month be " 60 days late '' when : The regular monthly payment was made ON TIME TWO additional makeup payments were also made in that month Total of {$180.00} was paid ( 4x the regular payment amount ) ANSWER : It can't. This reporting is objectively FALSE.

This proves Chase 's reporting is not " corrective '' or " accurate '' - it is retaliatory and false.

VIOLATION # 4 : VIOLATED THEIR OWN STATED POLICY Chase 's supervisor stated Chase 's policy : " We only report late payments if we charge a late fee '' Chase 's supervisor confirmed : " No late fees charged '' Yet Chase reported months as late anyway.

Chase violated their own policy as stated by their own supervisor.

VIOLATION # 5 : SYSTEMATIC RETALIATION ACROSS ALL THREE BUREAUS Chase didn't change reporting to just one bureau. They changed reporting to ALL THREE bureaus simultaneously on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX This proves the changes were : Coordinated Systematic Intentional Retaliatory This was not an error or isolated incident. This was deliberate retaliation executed across Chase 's entire credit reporting system.

DOCUMENTED HARM CAUSED BY CHASE 'S ILLEGAL CONDUCT HARM # 1 : IMMEDIATE THREAT TO SECURITY CLEARANCE Chase 's false reporting is in my Continuous Evaluation monitoring RIGHT NOW.

The DoD security system sees : Multiple " 60 days late '' marks across three bureaus Pattern appearing to show financial irresponsibility Red flags triggering in automated monitoring Consequences if clearance review is triggered : Immediate questioning about financial issues XXXX on my record even after explanation Possible clearance suspension during review Contract termination if clearance suspended Loss of income within days Inability to get other federal contractor jobs Months to rebuild clearance even after credit corrected This harm is IMMEDIATE and IRREVERSIBLE once review triggers. Every day Chase 's false reporting remains increases the risk.

HARM # 2 : IMMEDIATE THREAT TO HOUSING My mortgage approval for the home where my child and I live is in jeopardy due to Chase 's retaliatory credit reporting. My lender has raised concerns about the credit issues.

If my mortgage is denied due to Chase 's illegal conduct : My son and I will be homeless in XX/XX/XXXX We can not afford to rent in our area ( rental costs exceed mortgage payments ) My child will lose stability and security during a critical time I will lose the opportunity to build equity and financial security This is not theoretical- I have a closing deadline in approximately 10 weeks.

HARM # 3 : IMMINENT EMPLOYMENT TERMINATION The clearance and housing threats combine to create employment jeopardy : Clearance loss = immediate job termination Housing loss = instability making job search difficult Loss of income = inability to maintain housing All three create downward spiral This is not speculative future harm. This is : Clearance monitoring active NOW Housing deadline in 10 weeks False reports affecting both NOW HARM # 4 : QUANTIFIABLE CREDIT SCORE DAMAGE My FICO Score 8 graph ( attached ) shows : Stable credit scores through XX/XX/XXXX DRAMATIC DROP in XX/XX/XXXX Drop coincides EXACTLY with Chase 's XX/XX/XXXX retaliatory reporting changes All three credit bureaus show simultaneous score drops This credit damage : Directly threatens my mortgage approval May result in higher interest rates if I am approved Could cost me thousands of dollars over the life of a mortgage Damages my creditworthiness for years Triggers clearance monitoring flags All caused by Chase 's illegal retaliation HARM # 5 : EMOTIONAL AND XXXX  HARM Chase 's conduct has caused : Extreme XXXX  and XXXX  about losing housing Fear of my child becoming homeless Terror about losing clearance and career Sleepless nights worrying about the XXXX deadline Constant monitoring of clearance status Feeling helpless against a large corporation 's illegal retaliation Having to fight for basic fairness while facing multiple crises HARM # 6 : FINANCIAL HARM Potential loss of home purchase opportunity Higher costs if forced to rent instead Lost opportunity to build equity Potential loss of entire career if clearance lost Time and resources spent fighting Chase 's illegal conduct Costs associated with disputing and documenting everything CHASE HAS NO VALID DEFENSE Chase can not defend their conduct : " We were correcting inaccurate reporting '' Your own supervisor confirmed on XX/XX/XXXX there were no late payments Why report XXXX as late when it was paid on time with XXXX payments? 
Why wait until AFTER consumer challenges you to " correct '' anything? 

" The customer filed disputes so we investigated '' You changed reporting on XX/XX/XXXX, BEFORE I filed any formal disputes I didn't file disputes until XX/XX/XXXX You retaliated for being challenged, not for formal disputes " Our supervisor made a mistake '' She's a SUPERVISOR - trained, experienced, authorized She reviewed the entire account She stated official Chase policy She confirmed no late fees charged She told me the reporting was wrong " The timing is coincidence '' XX/XX/XXXX : Report everything as " good standing '' XX/XX/XXXX : Customer challenges us XX/XX/XXXX : Change reporting to " 60 days late '' ( 19 days later ) XX/XX/XXXX : Supervisor says " no late payments '' This timeline proves deliberate retaliation " We only report accurate information '' XXXX had THREE payments totaling {$180.00} including on-time regular payment Yet you reported XXXX as " 60 days late '' This is objectively false The facts are undeniable. Chase engaged in illegal furnisher retaliation. 

EVIDENCE OF POTENTIAL COVER-UP ATTEMPT 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 On XX/XX/XXXX, I contacted Chase requesting call summaries to verify my timeline. Chase provided detailed notes for the XX/XX/XXXX call but stated that notes for the XX/XX/XXXX supervisor call are " incomplete. '' This is highly suspicious as the XX/XX/XXXX call contains key evidence contradicting Chase 's false reporting. 

The selective " incomplete '' documentation suggests possible evidence tampering or cover-up attempts. Chase can document routine calls in detail but conveniently can not document the supervisor call where their own representative contradicted their false reporting. 

I have a recording of this XX/XX/XXXX call where Chase representatives confirm the XX/XX/XXXX notes are " incomplete '' while other calls have complete detailed notes. 

I request CFPB investigate this apparent attempt to hide evidence that would prove Chase 's misconduct.

Company response to consumer: Closed with explanation