Consumer complaint received 2026-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Subject : URGENT : XXXXDay Identity Theft Block Request, Debt Validation Demand, and Obsolete Information Removal To Whom It May Concern, I am writing to formally dispute several closed, charged-off, and written-off accounts on my credit report that resulted from identity theft and corporate data breaches. This account has already been settled and XXXX was submitted as cancellation of debt, incur these debts, or authorize anyone else to do so. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, a credit bureau must block the reporting of identity theft information within XXXX business days of receiving an identity theft report and the appropriate documentation. I have enclosed my official Identity Theft Report and proof of identity to trigger this mandatory requirement. Please immediately block and temporarily remove the following fraudulent accounts and information while this investigation is pending : Creditor Name : JPMCB AUTO | Account Number : XXXX Applicable Federal Laws Regarding Closed, Charged-Off, and Breach-Related Accounts : Reporting Lifespan of Charged-Off Accounts : Under 15 U.S.C. XXXX ( a ) ( XXXX ), consumer reporting agencies are strictly prohibited from making a consumer report containing accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years. Because these accounts stem from unvalidated identity theft and third-party data breaches, any attempt to permanently anchor or report these obsolete charge-offs on my credit profile directly violates federal law. Data Breach Liability : Under the Gramm-Leach-Bliley Act ( GLBA ) Safeguards Rule ( XXXXXX/XX/XXXXPart XXXX ) and state-specific data breach notification laws, financial institutions failed to safeguard my Personally Identifiable Information ( PII ). This negligence allowed identity thieves to open and exploit these accounts. I can not be held liable for debts stemming from a compromised security infrastructure. Closed, Charged-Off, and Written-Off Accounts : Under the FCRA 15 U.S.C. XXXX, data furnishers are strictly prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Charging off or writing off a debt does not validate its accuracy. If an account was opened fraudulently, reporting it as a " charge-off '' or " written-off '' status perpetuates a severe financial injury based on a legal nullity. Identity Theft Furnisher Obligations : Pursuant to FCRA 15 U.S.C. XXXX ( a ) ( XXXX ), once a consumer provides an identity theft report to a furnisher, that furnisher is legally blocked from continuing to report the fraudulent information to any credit bureau . These items must remain blocked and removed from my credit profile until full verification is achieved. To legally validate these items and unblock them, you must provide verifiable proof of liability, including : Original Contract of Debt : The initial signed agreement showing I authorized the account. True Bill : Itemized billing statements showing the origin of the alleged balance. Transfer Assignment Agreement : Legal documentation proving the chain of title and transfer of ownership. Flow Agreement : Documentation governing the sale and transfer of the data between entities. If these items can not be fully validated with the documentation requested above within the statutory timeframe, the temporary blocks must be made permanent, and the accounts must be deleted from my file forever.

Company response to consumer: Closed with explanation