Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Unauthorized Hard Inquiries & Identity Theft Claim Immediate Removal Required To Whom It May Concern, I am writing to demand the immediate removal of unauthorized, fraudulent, and outdated hard inquiries from my credit reports with XXXX, XXXX, and XXXX. Despite my multiple disputes and diligent efforts to resolve these issues, your agencies have failed to correct the inaccuracies that continue to harm my credit score and violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). 
The following hard inquiries are outdated, unauthorized, and related to identity theft I experienced in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, JPMCB Card XXXX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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquiries are negatively impacting my credit score and must be removed immediately, as they were not authorized by me, and all related accounts are closed.

Under 15 U.S.C. 1681b of the FCRA, credit inquiries require a permissible purpose, which I never provided for these entities. Furthermore, according to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), your agencies are required to investigate and remove inaccurate information within 30 days of a dispute, which has not been done. Additionally, per 15 U.S.C. 1681c ( a ) ( 5 ), outdated and closed accounts must be removed. Your continued reporting of these inquiries constitutes a violation of 15 U.S.C. 1681n and 1681o, holding you liable for willful or negligent noncompliance, entitling me to statutory damages, actual damages, and punitive damages.

Moreover, the Equal Credit Opportunity Act ( ECOA ), specifically under 15 U.S.C. 1691d ( a ), mandates that creditors justify and document credit inquiries. Since these inquiries were never authorized, they should have been removed immediately, especially after I reported my identity theft in XXXX3. Your failure to comply with these legal requirements is a clear violation of 12 C.F.R. 1002.4 ( c ), which prohibits misrepresentation in credit reporting.

The presence of these unauthorized and outdated inquiries on my credit report has caused substantial financial harm, limiting my access to fair credit opportunities. According to the ruling in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), credit bureaus are required to conduct reasonable investigationsa duty you have neglected in this matter. 

I demand that you remove all unauthorized and outdated hard inquiries within 10 days of receiving this letter and provide written confirmation of their removal. Failure to do so will result in legal action against each credit reporting agency and the entities involved, seeking {$5000.00} per violation for willful noncompliance. 

This letter serves as your final opportunity to rectify these violations before I proceed with litigation.

Company response to consumer: Closed with non-monetary relief