Consumer complaint received 2024-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
RECEIPT OF SAID NOTICE IS AGREEMENT TO ALL TERMS STATED HEREIN : RE : XXXX JP MORGAN CHASE is actively reporting transactions and experiences to each of my consumer reports. According to the FCRA, it explicitly prohibits these actions and states : The term consumer report does not include any of the following : XXXX any report containing information solely about transactions or experiences between the consumer and the person making the report ; XXXX any communication of that transaction or experience information among entities related by common ownership or affiliated by corporate control ( for example, different institutions that are members of the same holding company, or subsidiary companies of an insured institution ) ; XXXX communication of other information among persons related by common ownership or affiliated by corporate control if : a. it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons ; and b. the consumer is given the opportunity, before the time that the information is communicated, to direct that the information not be communicated among such persons ; XXXX any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; XXXX any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer, such as a lender who has received a request from a broker, conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under Section 615 ( 15 U.S.C. 1681m ), Requirements on Users of Consumer Reports ; or 6. a communication described in subsection ( o ) or ( y ) of Section 603 ( 15 U.S.C. 1681a ( o ) or ( y ) ) ( which relates to certain investigative reports and certain reports to prospective employers ). 

JP MORGAN CHASE must cease from furnishing any of my non-public, personal information to any/ all consumer reporting agencies and third-party entities. I have never received or instructed JP MORGAN CHASE via disclosure my permission or consent to report such. This inaccurate and fraudulent reporting is a direct threat to my personal security, safety and financial stability and is directly linked to me being unable to adequately obtain essential consumer household goods and supplies for my family. This reporting has caused XXXX  emotional distress and tremendous financial hardship and stress. 

JP MORGAN CHASE shall cease and desist from reporting any/all of my transactions and experiences to all of the consumer reporting agencies they have a personal banking relationship with at my expense. Also provide proof in writing that you have notified all consumer reporting agencies to do the same.

Company response to consumer: Closed with explanation