Consumer complaint received 2024-12-12 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: NV

Complaint narrative:
Ref : Account XXXX JPMorgan Chase Auto is obligated by the FCRA to report accurate accounting. The consumer demanded validation for this account on XX/XX/XXXX, and JPMorgan Chase failed to provide validation. Therefore, this account is inaccurate, incorrect, and unverified. According to the law, the said company did not validated the account in a timely manner nor did it remove the account from the consumer 's report. The consumer is now requesting that JPMorgan Chase Auto provides all documentation submitted to furnish the said account to consumer reporting agencies, verifying this account as accurate. Further, the consumer is requesting all documentation that shows verification of this account was sent to the consumer when they requested validation, together with tracking information and a copy of the 1099-C form. JPMorgan Chase has 15 days to provide this information. The consumer is also exercising their right to opt-out from any and all authorization that they may have given to JPMorgan Chase , whether written, non-written, verbal, nonverbal, or electronic. The consumer is asking for proof of their acknowledgment that they have ever given JPMorgan Chase authorization to report their nonpublic personal information to third-party non-affiliates such as Consumer Reporting Agencies . Even if JPMorgan Chase has proof of such documentation, the account must be removed as soon as possible, as the consumer is opting out as per 15 U.S.C. 1681a, 15 U.S.C 1681b, 15 U.S.C 6801, 15 U.S.C 6802, and 16 CFR 313.7. This reporting may constitute fraud and possible tax evasion, as it is not a verified account. The consumer called the IRS on XX/XX/XXXX, and asked for records of a 1099-C submission by JPMorgan Chase . The IRS agent looked through the consumer 's transcripts and found no record of the said 1099-C form. The IRS agent informed the consumer that an investigation will be conducted to ensure that JPMorgan Chase is following proper procedures when discharging a debt.

15 U.S.C. 1681a - U.S. Code - Unannotated Title 15. Commerce and Trade 1681a. Definitions ; rules of construction ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies According to the IRS Publication 4681 ( 2023 ), The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
JPMorgan Chase & Co. file number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX JPMorgan Chase 's headquarters is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Trustee . I will be filing form 211 treasury mob forms to audit consumers account and a FTC fraud report if this matter does not get resolved in 21 calendar days.

Company response to consumer: Closed with explanation