Consumer complaint received 2023-12-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed errors on my consumer credit report. I have made several contacts since XX/XX/2023 with JPMCB CARD regarding this commercial account several times. 
JPMCB CARD has been reporting this account to my credit report as an Individual account. This information is inaccurate. 

In accordance with the Fair Credit Reporting Act, JPMCB AUTO has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code 1681a- Definitions ; rules of constructions- Exclusions- Except as provided in paragraph, the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

An illegal reporting account that has numerous violations According to the Fair Credit Reporting Act. JPMCB CARD : Account number : XXXX. According to the Fair Credit Reporting Act 15 U.S.Code 1681a ( 2 ) ( A ) ( i ) Reported information can not be only transactions and experiences between the consumer and a company. Notice, it is a fact, that JPMCB CARD affiant is aware this reported information is only information based solely on transactions and experiences between Someone else, the consumer, and this { JPMCB CARD }. This is a violation of 15 U.S.Code 1681a ( 2 ). I never consented my information to be shared on my consumer report nor did I get consent to this account as a joint account. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus, such as XXXX, XXXX, and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) I never signed a contract and JPMorgan Chase has failed to properly show proof of proper debt validation in their following decisions is also a violation of 15 U.S. Code 1681o ( a ) ( 1 ) - For negligent noncompliance, or in other words, failure to comply even though they should have known they must comply, is equal to the sum of action damages. it is a fact, the affiant is aware, negligence is neglecting requirements that should be known. I, the affiant and consumer, made { JP MORGAN CHASE } aware of, prior and continued failures of reasonable procedures as seen in Exhibit. The affiant has reason to believe and do so believes due to { JP MORGAN CHASE } business practices, { JP MORGAN CHASE } actions are liable under 15 U.S. Code 1681o for the actual damages caused to me, the consumer in fact.

Company response to consumer: Closed with explanation