Credit card -- Incorrect information on your report -- Complaint #19181023
JPMorgan Chase Credit Card Report Error: Identity Mix-Up
Complaint Overview
Complaint ID: 19181023
Company: Jpmorgan Chase & Co.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Georgia
ZIP Code: 30274
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-02T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: medium
Incorrect information on a credit report, especially identity theft or misattribution of debt, can significantly impact a consumer's financial standing and ability to obtain future credit.
Consumer Sentiment: negative
Topics: Credit reporting, Identity theft, Credit card fraud
AI Analysis
CFPB complaint 19181023 was filed against JPMORGAN CHASE & CO. regarding Credit card (General-purpose credit card or charge card), specifically about "Incorrect information on your report". A consumer reported that incorrect information, specifically that account information belonged to someone else, appeared on their credit report for a JPMORGAN CHASE & CO. general-purpose credit card. The complaint was received on January 31, 2026 from Georgia. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies promptly.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies and furnishers of information investigate disputes and correct any errors.
Regulatory Insight
Furnishers like JPMORGAN CHASE & CO. must have reasonable procedures to ensure the accuracy of information they report and to investigate consumer disputes.
Resolution Likelihood
likely
State-Specific Consumer Protections
The consumer is located in Georgia, and state laws may offer additional protections or avenues for recourse regarding credit reporting errors.
Industry Comparison
Disputes over incorrect information on credit reports are common across the credit card industry, affecting major issuers and smaller institutions alike.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19181023 about?
CFPB complaint 19181023 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Incorrect information on your report", specifically "Information belongs to someone else". This complaint was filed against JPMORGAN CHASE & CO. on January 31, 2026.
Which company is complaint 19181023 filed against?
Complaint 19181023 was filed against JPMORGAN CHASE & CO.. You can view all complaints against this company on their profile page at /company/jpmorgan-chase-co.
What was the company's response to complaint 19181023?
JPMORGAN CHASE & CO. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 19181023 filed?
Complaint 19181023 was received by the CFPB on January 31, 2026. It was sent to JPMORGAN CHASE & CO. on February 2, 2026.
What state was complaint 19181023 filed from?
Complaint 19181023 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 19181023?
Dispute information is not available for complaint 19181023.
What product category is complaint 19181023 about?
Complaint 19181023 is categorized under "Credit card", specifically "General-purpose credit card or charge card". This is one of the product categories tracked by the CFPB.
How was complaint 19181023 submitted?
Complaint 19181023 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 19181023?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies and furnishers of information investigate disputes and correct any errors. This relates to a Credit card complaint against JPMORGAN CHASE & CO. involving "Incorrect information on your report".
How likely is complaint 19181023 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19181023?
This complaint is rated as medium risk. Incorrect information on a credit report, especially identity theft or misattribution of debt, can significantly impact a consumer's financial standing and ability to obtain future credit.
What regulatory actions apply to complaint 19181023?
Furnishers like JPMORGAN CHASE & CO. must have reasonable procedures to ensure the accuracy of information they report and to investigate consumer disputes. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 19181023?
Consumers should regularly review their credit reports from all three major bureaus and dispute any inaccuracies promptly.
Are there state-specific protections for complaint 19181023?
The consumer is located in Georgia, and state laws may offer additional protections or avenues for recourse regarding credit reporting errors. This complaint was filed from Georgia.
How does complaint 19181023 compare to industry norms?
Disputes over incorrect information on credit reports are common across the credit card industry, affecting major issuers and smaller institutions alike.
What steps should a consumer take if they suspect their identity has been compromised on a credit report?
Place a fraud alert on your credit reports with each of the three major credit bureaus (Equifax, Experian, TransUnion) and consider a credit freeze. File a police report and report the identity theft to the Federal Trade Commission (FTC).
How long does a credit reporting agency have to investigate a dispute?
Generally, credit reporting agencies have 30 days to investigate a dispute after receiving it, with a possible extension to 45 days if additional information is provided by the consumer.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.