Consumer complaint received 2021-08-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
CONSUMER ENFORCEMENT ACTION As a Federally Protected Consumer, Original
Creditor, Principal and Authorized Representative for XXXX, XXXX  dba
XXXX XXXX on all accounts created by my seal/signature, I order you to make
recompense and pay redress and compensation for your trespass against me. You are
attempting to extort and rob me using deceptive, misleading and abusive practices against
me personally, my family and my household. This is criminal activity at the least and
unacceptable by every means. You have committed several federal violations against me, a
Private law abiding Federally Protected Consumer. Each violation is a statutory cost of
XXXX each, which does not include my personal cost and fees (which I determine) for
taking time to address these issues. Violations committed against me include but not limited
to: Violated 15 USC 1692c(a); Communication without prior consent, expressed permission
Violated 15 USC 1692c(b); Communication without prior consent, expressed permission
Violated 15 USC 1692d; Harass and oppressive use of intercourse about an alleged debt.
Violated 15 USC 1692d(1); Attacking my reputation, accusing me of owing an alleged debt
to you. 
Violated 15 USC 1692d(2); Use of obscene or profane language on my report
(saying I owe you a debt) 
Violated 15 USC 1692e; Using false, deceptive or misleading
representations 
Violated 15 USC 1692e(2)(A); False representation of the character and
amount of the alleged debt 
Violated 15 USC 1692e(2)(B); False representation of any
service rendered or compensation 
Violated 15 USC 1692e(8); Communicating false information 
Violated 15 USC 1692e(9); Use/distribution of communication without
authorization or approval 
Violated 15 USC 1692e(10); False Representation (not a party to
alleged debt by my consent) 
Violated 15 USC 1692e(12); False representation/implication (innocent purchasers for value) 
Violated 15 USC 1692f; Unfair Practices attempting to collect an alleged debt. 
Violated 15 USC 1692f(1); Attempting to collect a debt unauthorized by an
agreement between parties. 
Violated 15 USC 1692f(6)(a); Taking or threatening to take any
nonjudicial action to effect dispossession or disablement of property 
Violated 15 USC 1692f(6)(b); Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property 
Violated 15 USC 1692g(a)(4) Certifiable Validation and Verification
of alleged debt(s) 
Violated 15 USC 1692j(a,b); Furnishing certain deceptive forms. (You are
not a party in the alleged debt) IDENTITY THIEF; Obtaining personal identification
information without prior consent and creating an account in my name without my
knowledge. Invasion of Individual and Family Privacy 
Violated 15 USC 1692c(c) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that

TYPE OF ISSUE
Account status incorrect
the consumer wishes the debt collector to cease further communication with the consumer,
the debt collector shall not communicate further with the consumer with respect to such
debt. You, JPMCB AUTO and its representatives/agents is Civilly Liable for your
transgression against me, a consumer, under 1692k. I take this lawful action ordering
judgement against you. A court of competent jurisdiction can add additional damages if
deems necessary. For your violations, I am assessing a penalty/fine of $XXXX to be settled immediately upon receiving this communication, you have 10 days of receipt of this enforcement action to settle this matter. If you do not comply there will be a $XXXX additional penalty per day plus interest. You have agreed and stipulated to this consumer consent order for your participation in interstate commerce, agreeing and stipulating to my terms and for whatever monetary compensation I may arise to. In addition, if you do not comply fully you will be obstructing justice and held in contempt to be tried as a criminal. Respectively XXXX, XXXX, Consumer/Authority/Principal Creditor/Authorized Representative/ Natural Person CONSUMER ENFORCEMENT SETTLEMENT ORDER (PRESUIT) INVOICE # XXXX DATE: XX/XX/XXXX STATEMENT OF DAMAGE VIOLATIONS NOTES FEES 
1692c (a)(1) Communication without prior consent. $XXXX 
1692e (2)(a) False representation; $XXXX 
1692e (2)(b) False representation; $XXXX 
1692d (2) Obscene/profane language accusing me of owing an alleged debt. $XXXX 1692d (2) Obscene/profane language accusing me of having an account with you. $XXXX 
1692e false, deceptive or misleading representations $XXXX 1692e (2)(a) False
representation; $XXXX 
1692e (2)(b) False representation $XXXX 1692e (8) Communicating false debt $XXXX 1692e (9) Use/distribution of communication without authorization or approval $XXXX 
1692e (10) False deceptive means to collect a debt $XXXX 1692f Unfair practices $XXXX 
1692f (1) Attempting to collect a debt absent of an agreement between parties. $XXXX 
1692f(6)(a) Taking or threatening to take possession of property $XXXX
1692f(6)(b) Taking or threatening to take possession of property $XXXX 
1692c (c) Consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication $XXXX 
INVASION OF PRIVACY TRESPASS Invasion of Individual Privacy and
Trespassing $XXXX 
IDENTITY THIEF Obtaining personal identification information and creating an account (SSN, Name, Address) $XXXX 
ADDITIONAL ASSESED DAMAGES Emotion distress, Defamation of character, other unseen injuries. $XXXX 
TOTAL $XXXX PAYMENT SETTLEMENT DUE BY XX/XX/XXXX. AFTERWARDS YOU WILL BE IN DEFAULT. YOU WILL BE ASSESED A PENALTY OF $XXXX PER DAY PAST DUE DATE AND IT WILL INCUR INTEREST. YOU AGREE AND STIPULATE TO MY TERMS AND WHATEVER MONETARY COMPENSATION AND REDRESS I ARISE TO. NOTES *PRIVATE RIGHT OF
ACTION *PURSUANT TO 1692K (a-1)(2-A). CIVIL LIABILITY. 
*Other Consumer Protection
Laws May Apply *$XXXX in stipulated cost to initiate private right of action in a court of competent jurisdiction enforcing consumer protections laws.
Compensation Redress Settlement Order.

Company response to consumer: Closed with explanation