Credit card -- Incorrect information on your report -- Complaint #19516861
Complaint Overview
Complaint ID: 19516861
Company: Jpmorgan Chase & Co.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: North Carolina
ZIP Code: XXXXX
Date Received: 2026-02-15T12:00:00-05:00
Date Sent to Company: 2026-02-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint regarding inaccurate and misleading credit reporting by JPMCB Card Services related to a charged-off credit card account. The account became delinquent in XXXX and was later reported as charged off and closed by the creditor. However, the account continues to be updated monthly with ongoing derogatory activity, creating the appearance of a currently active delinquent account rather than a historical charge-off. I disputed this reporting through the credit reporting agency prior to this complaint. During the investigation, the creditor verified the account as accurate but did not provide documentation supporting how the reporting complies with Fair Credit Reporting Act accuracy requirements. I requested verification of the payment history, balance calculation, and confirmation of the date of first delinquency, but no supporting documentation was provided directly to me. Because a charged-off account represents a historical default, continued monthly derogatory updates are misleading and materially impact my credit standing by making the account appear as an ongoing delinquency. I am requesting that the company either provide documentation demonstrating compliance with FCRA reporting standards or correct or delete the tradeline from all consumer reporting agencies.
Frequently Asked Questions
What is Complaint #19516861 about?
Complaint #19516861 was filed against Jpmorgan Chase & Co. regarding Credit card specifically about Incorrect information on your report. It was received by the CFPB on 2026-02-15T12:00:00-05:00.
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 card) 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.