Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11107157
Complaint Overview
Complaint ID: 11107157
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 information incorrect
State: Florida
ZIP Code: 34711
Date Received: 2024-12-10T12:00:00-05:00
Date Sent to Company: 2024-12-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint due to ongoing errors and violations in the reporting of my JPMCB CARD account ending in XXXX. Despite disputing these inaccuracies for over XXXX months with JPMCB and the credit reporting agencies, no corrective action has been taken. These errors are severely damaging my credit profile and preventing me from purchasing a home for my family. Errors and Violations Identified : Impossible and Inaccurate Dates : The Start Date and Last Reported Date are shown as XX/XX/year> and XX/XX/year>, which are future dates and clearly impossible. This violates the requirement for accurate reporting under the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ). Inaccurate Late Payment Reporting : The account shows a 30-day late payment despite being reported as Closed and Paid with a {$0.00} balance. This inconsistency is misleading and unfairly damages my credit profile. Failure to Correct Disputed Information : Despite multiple disputes over the past five months, JPMCB has failed to correct these inaccuracies within the 30-day timeframe mandated by the FCRA Section 611 ( 15 U.S.C. 1681i ). This failure violates my right to fair and accurate credit reporting. Violation of Accuracy Requirements : Reporting unverifiable and conflicting information violates the FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which mandates credit reporting agencies to ensure maximum possible accuracy of the information reported. My Rights as a Consumer : Under the Fair Credit Reporting Act ( FCRA ), I have the right to : Have only accurate and verifiable information reported on my credit file. Have disputed information investigated and corrected within 30 days. Hold furnishers accountable for reporting inaccurate information ( Section 623 ). JPMCBs failure to correct these errors is a direct violation of my rights and has caused significant harm, preventing me from achieving essential financial goals, such as purchasing a home for my family.
Frequently Asked Questions
What is Complaint #11107157 about?
Complaint #11107157 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 2024-12-10T12:00:00-05:00.
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.