Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My name is XXXX XXXX, and I am writing this statement to provide essential context regarding the fraudulent activity appearing on my credit and consumer reports. This activity is not simply a financial oversight ; it is a direct consequence of identity theft resulting from the large-scale data breach at XXXX responsible for the breach.This consumer credit reporting agency. 
The impact of this security failure has not only caused significant financial injury but has fundamentally derailed my ability to pursue basic life goals, making it exceptionally difficult to move forward. 
The fraudulent accounts, inquiries, and collections placed on my record due to this identity theft have created a devastating cycle of failure in my attempts to establish stability.I have been denied rental applications and mortgage pre-approvals on separate occasions over the last years. Landlords and lenders cite the severe derogatory marks on my consumer report, specifically pointing to the fraudulent accounts like * XXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} * XXXX XXXX # XXXX. {$3000.00} * JPMCBCARDServices # XXXX {$2200.00} * XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX * XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  I am currently forced to live with family the inability to secure stable, long-term housing due to errors that are not mine is a constant, suffocating stressor.The required background and credit checks for positions such as XXXX XXXX XXXXXXXX XXXX resulted in job offers being rescinded or applications being rejected. My professional advancement has been stagnated, purely because my consumer report suggests a level of financial instability that is entirely fabricated by criminal activity.Beyond the financial damages, the time and emotional energy spent fighting this fraud has been overwhelming. I have spent approximately hours over the last 11 months.This ongoing administrative burden has severely impacted my mental health and my ability to focus on work and personal well-being. I feel perpetually stuck, exhausting all my resources just to prove who I am not, rather than being able to focus on my future. 
I urge you to consider the profound personal distress and hardship caused by the negligent handling of my data. This is not a clerical error ; this is an issue of identity fraud that has imposed a near-impossible barrier to me leading a stable, independent life. 
I demand swift and comprehensive action to fully resolve these fraudulent entries, consistent with the requirements of the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation