Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally report a case of identity theft and to provide a detailed account of how my personal data has been compromised. This breach has resulted in unauthorized activity on my credit report, the misuse of my financial information, and ongoing challenges to rectify the damage.

How the Data Compromise Occurred In XXXX, I became aware that my personal and financial information had been stolen and used without my consent. The compromise of my data appears to have occurred through multiple avenues, including : 1. Stolen Mail : Several pieces of sensitive mail, including bank statements and bills containing my personal information, were stolen. This gave unauthorized individuals access to critical details, including account numbers and personal identifiers.

2. Personal Device Breach : My personal devices, such as my smartphone and computer, were compromised, likely through malware or phishing attacks. As a result, sensitive information, including saved passwords, financial account details, and personal files, was accessed. 
3. Fraudulent Online Access : My email accounts and social media profiles were hacked. These breaches exposed private communications and allowed unauthorized individuals to impersonate me or misuse my data.

4. Banking and Utility Fraud : Using my personal information, fraudulent accounts were opened in my name, including bank accounts and utility services, leading to unauthorized debts and liabilities.

5. Tax Fraud : My Social Security number was used to file fraudulent tax returns, causing discrepancies in my IRS records and delaying legitimate refunds. 

Impact of the Breach The theft and misuse of my information have caused significant harm, including : Unauthorized Credit Activity : New credit accounts and loans were opened fraudulently, affecting my credit score and financial stability.

Fraudulent Transactions : My bank accounts have been subjected to unauthorized transactions.

Disruption in Daily Life : I have had to spend extensive time and effort to recover from this theft, including working with financial institutions, utility companies, and government agencies to secure my accounts and identity.

Legal and Financial Stress : The fraudulent activity has caused financial losses, as well as legal and administrative burdens in trying to correct records and prevent further misuse.

Steps I Have Taken To address this identity theft, I have taken the following actions : Filed reports with the Federal Trade Commission ( FTC ) and my local police department. 
Placed fraud alerts and credit freezes with all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Worked with my financial institutions and utility providers to close unauthorized accounts and secure legitimate ones. 
Strengthened security on my personal devices and online accounts by updating passwords, enabling two-factor authentication, and monitoring for unusual activity.

Engaged with the IRS to resolve fraudulent tax filings and correct my tax records.

Request for Assistance I kindly request the following from your office : 1. Investigate and remove any fraudulent activity or accounts from my credit report.

2. Update my file to reflect that I am a victim of identity theft. 
XXXX. Provide assistance in preventing further misuse of my personal information. 

Attached to this letter, I am including copies of relevant documents, including police and FTC reports, as well as proof of identity. 

Thank you for your prompt attention to this matter. If further information is required, please contact me at your earliest convenience. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation