Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing in response to your recent communication regarding my inquiry about the information furnished to the credit agencies and my request for a 1099-C for the credit card accounts ending in XXXX and XXXX. I appreciate your assistance thus far, but I must express my dissatisfaction with your response. 

Firstly, it is important to note that I am not requesting the card member agreement, as it is irrelevant to this particular issue. My primary concern is the unverifiable account ( s ) that is currently listed on my credit file. As per 15 U.S.C. 1681g ( a ) ( 1 ), I have the right to request the removal of any inaccuracies or unverifiable information from my credit report.

Per the Fair Credit Reporting Act ( FCRA ), I am exercising my right to obtain the identities and contact information, including names, employee numbers, phone numbers, and email addresses, of all individuals involved in verifying the account in question. Furthermore, I request the provision of the consumer contract containing my signature. This is done in order to ascertain the accuracy and validity of the reported information. Please comply with this lawful request promptly. 

Additionally, I would like to bring to your attention the requirement set forth by the Internal Revenue Service ( IRS ) regarding the issuance of Form 1099-C. According to IRS Publication if an account is classified as charged off and the amount exceeds {$600.00}, a Form 1099-C should be sent out to the account holder. To date, I have not received the aforementioned form for the charged-off account ( s ) in question. 

I demand that you take immediate action to remedy this situation by providing me with the necessary IRS Form 1099-C for the charged-off account ( s ) with amounts over {$600.00}. This is crucial for my tax preparation and compliance with IRS regulations. 

Furthermore, I request the deletion of the unverifiable account ( s ) from my credit file due to your agency 's negligence, which has caused me significant embarrassment and potential harm to my livelihood. It is your responsibility as the entity that furnishes information to the credit reporting agencies to rectify any inaccuracies or unverifiable accounts promptly.

I strongly urge you to not pass the responsibility onto the credit reporting agencies, as your company is the one transmitting the information to them. Therefore, you possess the authority and control to ensure the removal of these accounts from my credit file.

I expect a prompt resolution to this matter. Failure to comply with these demands may result in further legal action to protect my rights as a consumer as stipulated under 15 U.S.C. 1681i ( 5 ) ( A ) and 15 U.S.C. 1681n.

Thank you for your immediate attention to this serious matter. I trust that you will handle this situation with the utmost urgency and provide me with the accurate and verifiable information I have requested.

Company response to consumer: Closed with explanation