Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10665016
Complaint Overview
Complaint ID: 10665016
Company: Jpmorgan Chase & Co.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Florida
ZIP Code: 32832
Date Received: 2024-11-02T12:00:00-05:00
Date Sent to Company: 2024-11-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
UNITED STATES DISTRICT COURT FOR THE [ District ] XXXX XXXX, Plaintiff, v. JPMCB CARD ( CHASE ), Defendant. COMPLAINT PARTIES AND JURISDICTION Plaintiff : XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX ; Date of Birth : XXXX. Defendant : JPMCB Card ( Chase ), a banking and credit services company headquartered in XXXX XXXX, NY, engaging in consumer credit reporting and debt collection activities across the United States. Jurisdiction : This Court has jurisdiction under 28 U.S.C. 1331, as this case arises under federal statutes : the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. FACTUAL BACKGROUND Cease Communication Request : On [ Date of Written Notification ], Plaintiff sent a written request to Chase, directing the Defendant to cease all communication regarding a disputed debt under the authority of 15 U.S.C. 1692c ( c ). Continued Communication : Despite the clear written cease-communication request, Chase continued to attempt debt collection by contacting Plaintiff, violating FDCPA provisions under 15 U.S.C. 1692c ( c ). Inaccurate Credit Reporting : JPMCB inaccurately reported Plaintiffs account status to credit bureaus, including [ XXXX, XXXX, XXXX ], by misrepresenting late payments and indicating an erroneous charge-off status. Despite Plaintiff disputing these inaccuracies with Chase and the credit bureaus, the errors remained uncorrected, resulting in negative marks on Plaintiffs credit. CLAIM I : VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C. 1692c ( c ) Elements Satisfied : Debt Collection Activity : Defendant, acting as a debt collector in this case, engaged in efforts to collect an alleged consumer debt from Plaintiff. Cease-Communication Request : Plaintiff provided a valid, written cease-communication notice to Defendant, as per 15 U.S.C. 1692c ( c ). Prohibited Communication : Defendant contacted Plaintiff after receiving the cease-communication request without meeting any permissible exceptions under the FDCPA. Damages : Plaintiff suffered actual damages, including emotional distress and frustration, as a result of the unlawful communications. Plaintiff seeks statutory damages under 15 U.S.C. 1692k, as well as actual damages and reasonable attorneys fees. CLAIM II : VIOLATION OF THE FAIR CREDIT REPORTING ACT, 15 U.S.C. 1681e ( b ) AND 1681s-2 ( b ) Elements Satisfied : Inaccurate Reporting : Defendant inaccurately reported negative information on Plaintiffs credit report, including false late payment entries and an improper charge-off designation. Failure to Investigate and Correct : Despite Plaintiffs disputes sent to both Defendant and the credit reporting agencies, Defendant did not conduct a reasonable investigation or correct the inaccuracies, violating 15 U.S.C. 1681s-2 ( b ). Damages : Defendants actions caused Plaintiff financial and emotional harm, resulting in a lower credit score and potential credit denials. Plaintiff seeks statutory damages, actual damages, punitive damages, and reasonable attorneys fees and costs. RELIEF REQUESTED WHEREFORE, Plaintiff requests that this Court enter judgment in favor of Plaintiff and against Defendant as follows : a. Statutory damages under 15 U.S.C. 1692k ( a ) ( 2 ) ( A ) for FDCPA violations. b. Actual damages for Plaintiffs emotional distress and financial harm. c. Punitive damages under the FCRA for willful non-compliance. d. Reasonable attorneys fees and costs incurred in bringing this action. e. Any additional relief the Court deems just and proper.
Frequently Asked Questions
What is Complaint #10665016 about?
Complaint #10665016 was filed against Jpmorgan Chase & Co. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-11-02T12:00:00-05:00.
How did Jpmorgan Chase & Co. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Jpmorgan Chase & Co.?
Yes, visit the Jpmorgan Chase & Co. company profile at readthecomplaint.com/company/jpmorgan-chase-co to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.