Consumer complaint received 2021-10-28
Company: JPMORGAN CHASE & CO.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a Debt Validation for account ending in XXXX. Contrary to what the company said The account is not currently in litigation as the company has never been served. It is not in Cease and desist status. The company is allowed to communicate about the account for the purpose of this lawful debt validation. This letter is to inform you that the above referenced account being reported by your company on my credit reports is hereby disputed for lack of completeness, failure to validate a debt, violation of FCRA, Violation of Truth in lending act, and Violation of my rights as a consumer and natural person, willfully giving false information, failure to abide by federal laws and regulations. For starters, Chase sent me papers telling me " this is an attempt to collect a debt '' by law this is a violation of 15 usc 1692b ( 5 ). They also stated that I owed the debt which is a violation of 15 usc 1692b ( 2 ). Now, I am disputing the following information directly with you, the furnisher of information, and I am giving a final request that you conduct an lawful investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents as outlined by the FCRA to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which also include complete removal of the account. I am also exercising my federally protected natural rights under the FCRA and FDCPA demanding not requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a physical copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed by both you and the credit bureaus. I have also requested a scope of investigation from the credit bureaus on what was sent in to validate what you are listing on my credit report. Furthermore, Chase shall provide me with proof that I gave them written permission to furnish any information of my natural being. Chase is also listing as the original creditor of the alleged debt. Chase will provide me with proof that they are the original creditor. Pursuant to 15 usc 1602 ( I ) which did you as a corporation use to extend credit? By law as a natural person I extend credit with credit card which is my social security card. 15 usc 1602 ( I ) credit card ( l ) The term credit card means ANY card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Again, as a corporation who can not speak nor sign into consumer credit, which original instrument did you use to extend credit and make you the original creditor? Section 623 of the Fair Credit Reporting Act ( FCRA ), enforceable under the Fair and Accurate Credit Transactions ( FACT ) Act ; affords consumers the right to request that the furnisher of information conduct a reasonable investigation into the completeness and accuracy of the information being reported to the credit bureaus. Furnishers of information are under Section 312 of the FACT Act to establish and maintain guidelines on the accuracy and integrity of information furnished to credit bureaus, which means they should be able to conduct a proper investigation of records. Failure to perform a reasonable investigation can constitute legal action under the FCRA, Section 616, for willful non-compliance. Case law establishing liability of reporting inaccurate information was established in XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. Failure to conduct a reasonable investigation can also lead to complaints being filed with your states Attorney General, the Federal Trade Commission and small claims court at discretion of the consumer. This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed. You have 30 days from the date of this receipt to respond to this request with lawful evidence to back up your claims and what you are reporting on my credit report. Failure to respond within the 30 day time frame will result in immediate legal action. Thanks

Company response to consumer: Closed with explanation