2/23 -- 7:54 AM PT -- Jeramey hopped on IG to clarify this whole ex-fiancée thing -- and he noted he was NOT engaged when he joined the show ... nor was it a secret while they were filming.

He explained it all in a lengthy video ... apparently feeling the need to clear this up even before the reunion episode.

Jeramey Lutinski's looking for love on this season of "Love Is Blind" -- but a woman online has been blasting him as not being forthcoming ... claiming she's his ex-fiancée.

Here's the deal ... Jeramey hit viewers' TV screens on Valentine's Day, and while fans were watching the drama play out in the pods and beyond, it turns out JL might've been hiding some key details about his life -- at least that's what Brittani Mcliverty and her mom have been suggesting on social media.

Brittani's mother, Jenni, has been sounding off online over the past several days -- claiming Jeramey was previously engaged to her daughter, with whom she says he shared a home ... an alleged detail that hasn't come out in the 9 episodes of the show that have aired so far.

The supposed evidence she's putting out there ... a picture of Jeramey lookin' real cozy with a woman -- who Jenni says is Brittani -- sporting a big ol' rock on her ring finger. The implication here is that he was engaged to her ... and that the timeline for when he actually applied for 'LiB' might've bled into his time with Brittani.

It's unclear if what this Jenni woman claims is true -- Jeramey himself hasn't explicitly addressed her allegations ... and considering the show's currently airing, he probably won't.

Jenni has also gone on to claim that Jeramey and Brittani sold their home around the same time -- which lines up with a detail about his life that Jeramey actually did share on the show ... telling the woman he got engaged to, Laura, the exact same thing.

BTW ... the alleged fiancée here ain't sittin' on the sidelines either. She's dropped a few comments on one of Laura's IG posts, asking her point blank if Jeramey ever mentioned her -- and telling her and Sarah Ann, another contestant on the show, to DM her for more info.

Jeramey's sorta in the middle of a complicated situation on the show right now ... 'cause he ended things with Sarah Ann in the pods -- someone he seemed to have a connection with -- to propose to Laura ... basically dumping one for the other.

Now, Jeramey's made a cryptic statement in the past 24 hours. He took to Instagram to decry all the hate he and his castmates are getting this season.

One noteworthy line ... "Everyone will get their chance to speak when the time is right. Until then we all get it." He might just be waiting for his opportunity to speak out ... but that won't happen until they film the reunion episode -- which won't be for a little while.

We should note ... Jenni and Brittani aren't saying Jeramy was engaged while on the show, but they are claiming he was engaged shortly before getting on there -- insisting he broke things off with Brittani at the end of 2022. If true, he's not technically doing anything wrong.

Anyway, the season finale's set for next Wednesday ... and we're sure all of this will be addressed then.