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# 📧 to Maria Rascon
- URL: https://gijustice.com/20250815-chase/
- Published: 2025-08-15T15:41:00.000Z
- Updated: 2026-05-18T21:41:10.000Z
- Author: Logan M. Isaac
- Tags: Chase, Maria Rascon, SBA

Hi Maria,

Thank you again for staying engaged.

After reviewing my TransUnion file more closely, I can now confirm that Chase's reporting activity triggered a drastic drop in my personal credit score — from 798 to 616 — between **July 11 and July 16, 2025**. I’ve attached screenshots showing the exact dates and the associated JPMCB account entry.

This reporting appears to relate to the Labarum Limited loan. While I understand that I personally guaranteed the loan, I received **no advance notice** of Chase’s intent to report a delinquency to my personal credit file — either to myself or to the business. That failure, if confirmed, would likely violate both the **Fair Credit Reporting Act (15 U.S.C. § 1681s-2)** and Chase’s own internal credit reporting guidelines.

Before I can engage in any negotiation around the loan balance, I need Chase to do the following:

1. **Confirm whether the reported delinquency is in error** (e.g. due to system misclassification of a commercial loan);
2. **If not in error, provide documentation of all notices sent** to me or Labarum Limited prior to reporting the delinquency to TransUnion;
3. **Take immediate steps to correct the credit report** if no such notice was provided or if reporting protocols were not followed.

The impact of this report is not theoretical — it resulted in the sudden destruction of nearly 200 points from a near-perfect credit score, affecting my access to unrelated personal financial services.

I’m still hoping to resolve this constructively, but I cannot proceed until this issue is addressed. If Chase cannot correct the report or substantiate its compliance with applicable consumer protection laws, I’ll be forced to file complaints with the **CFPB, SBA, and Oregon Division of Financial Regulation**.

Please confirm receipt and advise how you intend to proceed.

![](https://storage.ghost.io/c/62/5e/625e8b30-aba8-4ca4-b679-851550ded791/content/images/2026/05/img_1315-jpeg-format-original.jpg)

![](https://storage.ghost.io/c/62/5e/625e8b30-aba8-4ca4-b679-851550ded791/content/images/2026/05/img_1317-jpeg-format-original.jpg)

![](https://storage.ghost.io/c/62/5e/625e8b30-aba8-4ca4-b679-851550ded791/content/images/2026/05/img_1316-jpeg-format-original.jpg)