Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX'AFFIDAVIT OF XXXX XXXX XXXX REGARDING JPMC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX being of lawful age and competent to testify, do hereby\ndepose and state under penalty of perjuryXXXX1. Preliminary Statement\n1. I am a resident of XXXX, Florida, over XXXX years of age, and have personal knowledge\nof the facts herein. 2. This affidavit addresses inaccuracies and violations in the reporting\nof JPMorgan Chase (JPMC) Account Ending in XXXX on my 3-Bureau Credit Report\nfrom XXXX dated XXXX XXXX XXXX obtained from XXXX XXXX XXXX. Factual Background\n3. The account is reported as Closed with a XXXX balance by TXXXX XXXX XXXXnwith a closed date of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4.\nThe creditor remarks indicate Account closed by consumer (XXXX) and Credit\nline closed - consumer request - reported by subscriber (XXXX). XXXX. JPMC failed\nto provide any opportunity to opt out of sharing my nonpublic personal information\nwith credit reporting agencies, as required by federal law. 6. No evidence of compliance\nwith privacy notice requirements or debt validation (if applicable) has been provided by\nJPMC.\n3. Legal Violations\n3.1 Fair Credit Reporting Act (FCRA) Violations\n7. Under 15 U.S.C. 1681s-2(b), JPMC failed to ensure consistent reporting across\nbureaus, as evidenced by differing closed dates XXXX XXXX XXXX XXXX XXXX XXXX. 8. The absence of a Date of First Delinquency (if applicable) violates FCRA\n 1681c(a)(4), as it prevents verification of the XXXX-year reporting period for derogatory\naccounts, even though the account is currently reported as closed with a $0 balance.\n3.2 Gramm-Leach-Bliley Act (GLBA) Violations\n9. Under 15 U.S.C. 6802(a) and 6802(b), JPMC, as a financial institution, shared\nmy nonpublic personal information with XXXX  and XXXX  without providing\nme an opportunity to opt out of such sharing, as required for nonaffiliated third parties.\n10. Under 15 U.S.C.  6803(a), JPMC failed to provide an initial privacy notice or\nannual notices clearly and conspicuously disclosing my right to opt out of information\nsharing with credit reporting agencies, violating GLBA requirements. 11. The absence\nof documented evidence showing when and where an opt-out opportunity was provided\nconstitutes a willful violation of 15 U.S.C.  6802 and  6803.XXXX XXXX XXXX XXXX XXXX XXXX standards require consistent reporting of account closure dates across bu\x02reaus. The discrepancy in closed dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If the account was previously derogatory, the failure\XXXX report a Compliance Condition Code (e.g., XC for completed investigation) post\x02closure violates Metro 2 reporting requirements.\n3.4 Uniform Commercial Code (UCC) Violations\n14. Under UCC  9-210, JPMC failed to provide an accounting of the debt upon my\nrequest, including proof of debt validity or chain of title (if applicable). 15. If the\naccount was previously charged off, reporting without validation violates UCC  9-406.\n3.5 Internal Revenue Service (IRS) Violations\n16. If the account was previously charged off, JPMC was required to issue IRS Form\n1099-C under 26 CFR  1.6050P-1. No such form has been provided, suggesting potential\nfraudulent reporting if a charge-off occurred.\n4. Harm SufferedXXXX17. The inconsistent reporting and unauthorized sharing of my personal information have\ncaused financial harm, including but not limited to [e.g., potential denial of credit, higher\ninterest rates, emotional distress]. 18. These violations have damaged my creditworthi\x02ness and financial opportunities.\n5. Demand for Relief\n19. I demand that XXXX and XXXX  correct the inconsistent closed dates for\nJPMC Account Ending in XXXX to reflect accurate and uniform reporting. 20. I demand\nthat JPMC provide documented evidence of compliance with 15 U.S.C.  6802 and \n6803, including copies of all privacy notices and opt-out opportunities provided to me.\n21. I demand immediate cessation of all credit reporting for this account, exercising\nmy opt-out right under 15 U.S.C.  6802(b). 22. I demand that JPMC provide debt\nvalidation, including the original creditor agreement and IRS Form 1099-C, if applicable.\n23. I reserve all rights under UCC 1-308 without prejudice.\nI swear under penalty of perjury that the foregoing is true and correct to the best of my\nknowledgeXXXXXXXX XXXX XXXX Affiant\nSigned without prejudice under UCC  1-308\nDate: XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief