Consumer complaint received 2023-07-25
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX La. XXXX XX/XX/XXXX CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT ID XXXX XXXXXXXX Chase Business XXXX XXXX Executive Office ( Mail Code XXXX ) XXXX XXXX XXXX XXXX OH, XXXX Dear Chase Executive Office, I am writing to address the matter of the " Chase '' Tradeline on my consumer profile and to assert my rights under the Fair Credit Reporting Act ( FCRA ) and Securities and Exchange Commission Acts . As a concerned consumer, I believe that your actions have violated various federal laws and regulations, necessitating the immediate removal of this tradeline from my consumer report. Allow me to present a detailed explanation of the issues at hand. 
Firstly, I would like to express my appreciation for providing a copy of your cardmember agreement ; however, my initial request was for a signed copy of the original contract bearing my wet ink signature, counter-signed by a duly authorized member of your organization. Regrettably, you have failed to meet this request, raising concerns about the validity and legality of any purported contractual agreement. 
It is my firm demand that you remove the " Chase '' Tradeline from my consumer report promptly, as failure to do so may result in the initiation of arbitration proceedings. 
In reference to account number : XXXX, which is reflected on my consumer report, I received a letter from Chase dated XX/XX/XXXX, with reference XXXX XXXXXXXX. According to the United States federal government, as amended by the United States Congress, your actions in relation to the account mentioned above are in violation of my consumer rights, privacy rights, and data rights by engaging in the improper disclosure of indebtedness. 
Moreover, I noticed that the letter I received from Chase specifically refers to " account number ending in XXXX ''. While you expressed gratitude for my service, it is pertinent to remind you that a mere expression of gratitude does not absolve you from adhering to the FCRA. Under section 1681 ( i ) of Title 15 of the United States Code, it is incumbent upon you to honor my rights as outlined in the FCRA. 
I must remind you that no contract or agreement can exist outside the bounds of legality, and any disputes are to be resolved through arbitration rather than resorting to frivolous mailings. Your provision of information about me to consumer reporting agencies, also referred to as credit reporting agencies, without my explicit written consent and ongoing consent, constitutes a violation of section 1681b of the FCRA. 
Furthermore, in compliance with the Privacy Act of 1974, you are legally obliged to disclose personal information solely as per my written request or with my prior written consent. Any deviation from this standard is prohibited, as stipulated under 5 U.S.C. 552a ( b ).

It is imperative that you acknowledge that your policies and procedures must operate within the confines of the law. Your assertion of contractual agreements and obligations must align with 15 U.S. Code 1682 and other applicable subchapters. In the United States, all contracts must exist within a legal framework.

I am fully aware that J.P. Morgan Chase Bank, as a business entity operating within the United States of America, is also a corporation. The distinction is vital, as the UNITED STATES, in capital letters, refers to the corporation and not the Republic. This distinction is unequivocally stated in Title 28, Section 3002 ( 15 ) ( A ) ( B ) ( C ) of the United States Code. Consequently, it is essential to operate within the legal framework established for corporate entities. 
Moreover, I firmly believe that your actions must not infringe upon the Sherman Act, which prohibits unreasonable interference with the ordinary, competitive pricing, and distribution system of the open market in interstate trade ( 15 U.S.C. Sec. 1-7 ).

I am hereby asserting my rights under the Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S. Code 6801 - which safeguards nonpublic personal information and the Securities Act of 1933, specifically PART 230 - General Rules and Regulations. 
In light of the aforementioned violations and discrepancies, I kindly request the immediate removal of the " Chase '' Tradeline from my consumer profile. Failure to comply with this request may necessitate further legal action to safeguard my rights under the FCRA and other pertinent laws. 
Thank you in advance for your prompt attention to this matter. I trust that you will rectify these issues promptly to ensure compliance with federal laws and regulations. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation