Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CFPB COMPLAINT FRAUDULENT BANK ACCOUNT REPORTING Filed by : XXXX XXXX XXXX XXXX : XX/XX/2025 FTC Identity Theft Report # : XXXX Last XXXX of XXXX : XXXX Phone : ( XXXX ) XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Parties Involved : 1. JPMorgan Chase Bank , N.A . ( XXXXXXXX XXXX  ) XXXX XXXX XXXX New York, NY XXXX Phone : ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Summary : I, XXXX XXXX XXXX, am a documented victim of identity theft. A fraudulent checking account was opened in my name at JPMorgan Chase Bank with the account number ending in XXXX. I did not open, authorize, or consent to this account. My personal identifying informationincluding my Social Security numberwas used without my permission. 

This fraud was documented in an official FTC Identity Theft Report ( Report # XXXX ), submitted on XX/XX/2025. A personal statement under penalty of perjury is also included in the supporting documentation. 

Despite these filings, the unauthorized account is still being reported and/or verified through : XXXX XXXX XXXXXXXX XXXX Chases XXXX XXXX This XXXX reporting is in direct violation of federal law under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and applicable state identity theft laws. 



Violations Cited : 15 U.S. Code 1681c-2 ( a ) Consumer reporting agencies must block reporting of any item identified as the result of identity theft when the consumer provides proof of identity, a police or FTC report , and a written request for blockingwithin 4 business days.

15 U.S. Code 1681s-2 ( a ) ( 6 ) ( B ) A furnisher ( like Chase ) must cease reporting fraudulent information when notified and given supporting identity theft documents.

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) If disputed information is found to be inaccurate, incomplete, or unverifiable, it must be deleted and may not be reinserted without certification of accuracy.

Actions Demanded : 1. JPMorgan Chase Bank must permanently delete and block the fraudulent account ending in XXXX from its internal systems and notify all third-party reporting agencies, including XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX  and XXXX XXXX XXXX must immediately block and permanently delete all information relating to this fraudulent Chase Bank account as required by 15 U.S.C. 1681c-2.

3. Provide written confirmation within 5 business days that the Chase account and all associated data have been permanently deleted and will no longer be verified, reported, or shared.

4. Cease and desist from furnishing, verifying, or otherwise communicating any information related to this account with any consumer reporting agencies or third parties. 



Relief Sought : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) open a formal investigation into this matter and enforce the following remedies : Full permanent deletion and blocking of the fraudulent account ending in XXXX from all systems Removal of any associated entries from XXXX  and XXXX XXXX XXXX XXXX into Chases failure to honor federal identity theft blocking laws Enforcement of statutory damages and penalties under FCRA for failure to comply Attachments : FTC Identity Theft Report ( # XXXX ) Personal statement under penalty of perjury Contact information for all parties involved

Company response to consumer: Closed with explanation