Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
FORMAL DEMAND FOR IMMEDIATE PERMANENT DELETION Identity Theft, Data Breach, Fraudulent Reporting, XXXX Violations, and Malpractice-Related Items Date : XX/XX/XXXX2026 To All Debt Collectors and Furnishers ( including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and any affiliated entities or secondary collectors reporting on my behalf ) From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX-XXXX XXXX ) XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX XXXX : XXXX XXXX ) XXXX | Email : XXXX XXXX : XXXX XXXX, XXXX XXXX Florida XXXX XXXX Re XXXX Immediate Permanent Deletion of All Fraudulent, Unverifiable, Breach-Tainted, and Inaccurate Information FCRA, FDCPA, UCC Article 9, and Related Laws This is a formal, sworn demand under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Uniform Commercial Code ( UCC Article XXXX ), and all applicable federal and Florida laws. Critical Facts Establishing Identity Theft and Data Breach : My personal information was compromised in documented data breaches, including the XXXX XXXX 2025 breach and XXXX XXXX XXXX XXXX XXXX third-party breach. This has resulted in identity theft, fraudulent reporting, and illegal re-insertion of unverifiable data. False Address and Mismatched Identification : My only valid address is XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX. The address XXXX XXXX XXXX XXXX Apt XXXX, XXXX XXXX, FL XXXX is falsely linked to my file and has never been associated with me. The drivers license on file does not match my current Florida Driver License ( XXXX ). Any email addresses on file also do not match my verified email ( XXXX ). These mismatches prove the data is fraudulent and must be deleted immediately. Full List of Disputed Items ( All Unverifiable, Breach-Tainted, or Illegally Re-Inserted ) : XXXX. XXXX XXXX. ending XXXX ( opened XX/XX/XXXX, balance {$420.00} ) XXXX. XXXX XXXX ending XXXX ( opened XX/XX/XXXX, balance {$0.00} ) XXXX iThink XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$3100.00} UCC XXXX XXXX violation, unverifiable security agreement ) XXXX. XXXX XXXX XXXX XXXX XXXX ending XXXX ( opened XX/XX/XXXX, balance {$59000.00} XXXX Article XXXX violation, unverifiable, possible fraudulent XXXX ) XXXX. JPMorgan Chase ending XXXX ( opened XX/XX/XXXX, balance {$450.00} ) XXXX. XXXX XXXX XXXX XXXX XXXX ending XXXX ( opened XX/XX/XXXX, balance {$940.00} ) XXXX. XXXX XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$0.00} illegal debt-buyer practices under FDCPA ) XXXX. XXXX XXXX ending XXXX ( opened XX/XX/XXXX, balance {$4300.00} ) XXXX. XXXX XXXX XXXX XXXX ( last reported XX/XX/XXXX, balance {$750.00}, credit limit {$7700.00} tainted by XXXX XXXX XXXX breach, illegal re-insertion ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX, balance {$79000.00} tainted by XXXX breach, unverifiable XXXX % paid off notation, XXXX violations ) XXXX. XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$230.00} post-theft fraud, already shows disputed by consumer yet remains open, illegal re-insertion ) Unauthorized Inquiries ( Both Dated XX/XX/XXXX ) : XXXX XXXX. / XXXX XXXX XXXXt / XXXX ( Retailer ) Additional Disputed Elements : All associated negative remarks, payment histories, status notations, and dispute comments All unauthorized fraud alerts, security freezes, blocks, and suppression indicators that I never requested All illegally re-inserted items that were previously deleted or disputed without proper XXXX notice All downstream data sharing or reporting without permissible purpose Supporting Documentation ( Already Filed and Enclosed ) : Sworn TPD Form XXXX Statement ( XXXX Police Department, XXXX XX/XX/XXXX ) XXXX Complaint ( Submission ID : XXXX, filed XX/XX/XXXX ) Florida State Attorney Consumer XXXX Division complaint Formal FCRA Dispute & XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) Multiple adverse action denial letters from lenders and landlords Florida Driver License and Social Security Card Non-Negotiable Fair Resolution Demand ( XXXX XXXX Enforcement ) : Preferred Resolution Immediate Permanent Deletion You bear the full burden of proof under UCC Article 9 and FCRA 1681s-2 to validate every disputed item with original XXXX contracts, complete chain-of-title, payment ledgers, and manual senior-level verification. Delete immediately ( no later than XXXX business days from receipt, or XXXX business days maximum ) every disputed item listed above, the false XXXX XXXX address, mismatched drivers license and email data, dispute comments, unauthorized alerts, security freezes, blocks, suppression indicators, and all re-inserted or breach-tainted information from every file, database, and downstream network. Render the data completely unrecoverable and unusable. Provide certified written confirmation of deletion and furnish updated, clean reports to me and all prior users. Alternative Resolution Full Compensation for Discrimination and Harm If deletion can not be completed within the timeframe above, pay fair compensation of {$75000.00} for the discriminatory housing denials, profound pain and suffering, severe emotional distress, anxiety, humiliation, reputational harm, unsafe living conditions, lost opportunities, and all other damages caused by these violations. Failure to comply will constitute willful noncompliance under FCRA 1681n and 1681o, FDCPA, and UCC, triggering immediate escalation to arbitration, litigation, court lawsuits, statutory damages ( {$100.00} $ XXXX per violation per occurrence ), actual damages

Company response to consumer: Closed with non-monetary relief