Consumer complaint received 2023-11-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Subject : Request for Investigation and Removal of Fraudulent Account from Consumer Reporting Agencies ( CRA ). 
I have recently discovered that an account has been fraudulently listed on my client credit report without my knowledge or authorization. This account does not belong to her, and I believe it is a result of identity theft. 
In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 609, I am exercising my right to request that you investigate this matter and provide evidence that validates the existence and accuracy of this account. Please note that the FCRA requires you to perform a reasonable investigation within 30 days of receiving this letter.

I kindly request that you provide me with the following information : 1. A complete account history, including all transactions, payments, and communications associated with this account. 
XXXX. Any documentation supporting the legitimacy of this account, including signed agreements or contracts. 
XXXX. Proof of your authority to collect this debt on behalf of the creditor/original creditor. 

If you can not provide the requested information within the specified time frame, I expect the fraudulent account to be immediately removed from all CRAs to prevent any further damage to my credit and financial standing. 

I also request that you notify all CRAs to which you have reported this fraudulent account about its disputed status, as required by the FCRA. Please provide me with copies of such notifications. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature XXXX result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damag- es per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not lim- ited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with non-monetary relief