Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, COMPLAINT FOR VIOLATION OF 15 U.S. CODE 1681bPlaintiff, [ XXXX XXXX ], files this complaint against Defendant, [ Chase Bank ], as follows : JURISDICTION AND VENUE. This action arises under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, which governs permissible purposes for accessing consumer reports. Jurisdiction is proper as Defendant conducts business in the United States and has accessed Plaintiffs consumer credit report without authorization. Venue is proper in this Bureau as it has jurisdiction over consumer financial protection matters. 


All preceding paragraphs are re-alleged. 

In the report Plaintiff observed an unauthorized inquiry from Defendant on XX/XX/XXXX. See exhibit A. 

On XX/XX/XXXX, the Plaintiff discovered that the Defendant had accessed their credit report without consent or a legally permissible purpose under 15 U.S. Code 1681b ( b ). The Plaintiff has never applied for credit, services, or employment with the Defendant, nor does the Plaintiff have any outstanding accounts in collections that would warrant such an inquiry. The Defendants unauthorized access has adversely affected the Plaintiffs credit report and constitutes a violation of federal law and the Plaintiffs rights. 
In the complaint, Plaintiff
demanded that the Defendant provide legitimate proof of its alleged permissible purpose for accessing credit report. 
. 
Specifically, the Plaintiff requested that the Defendant provide any documentation establishing their legal right to access the Plaintiffs credit report. This includes, but is not limited to, a valid assignment of an account belonging to the Plaintiff or a purchase agreement confirming ownership of an account associated with the Plaintiff. 

Despite this demand, Defendant has failed to produce any such documentation that would give this company a reason to believe they had permissible purpose to access Plaintiffs consumer report. 

Defendant did not have permissible purpose to access Plaintiffs credit report under the Fair Credit Report Act ( FRCA ), 15 U.S.C. 1681b. 

Defendant has willfully and negligently violated 15 U.S. Code 1681b by accessing Plaintiffs consumer report without a permissible purpose. As a result, Plaintiff has suffered harm, including but not limited to a negative impact on Plaintiffs credit score, privacy invasion, and emotional distress. 
Defendant, Chase Bank, willfully violated the Fair Credit Report Act ( FRCA ), 15 U.S.C. 1681b by obtaining the Plaintiffs XXXX report without permissible statutory purpose on XX/XX/XXXX. 

Defendant, Chase Bank, was aware or should be aware of their obligations to the under the FCRA to access consumer reports only for permissible purpose. 

Damages the Plaintiff received a denial of credit and a personal loan from a personal banking credit union. 


REQUESTED RELIEF WHEREFORE, Plaintiff respectfully requests the following relief : That Defendant provides documented proof of the permissible purpose under which it accessed Plaintiffs credit report. If no such proof can be provided, Defendant be ordered to immediately remove the unauthorized inquiry from Plaintiffs credit report. That credit reporting agencies be notified of the deletion of the unauthorized inquiry. That the Consumer Financial Protection Bureau take regulatory actions against Defendant for its violation of the FCRA. That Plaintiff be awarded any other relief deemed just and proper. 


Respectfully, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation