Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/2023 you request I send in my identification/signed signature and list the last 4 numbers of this account XXXX. I'm now very knowledgeable of the Fair Debt Collection Practices Act ( FDCPA ) nothing in Fair Debt Collection Practices Act ( FDCPA ) says a consumer must send a debt collection company any proof of identification. You are claiming that this alleged debt is mine by furnishing it on my consumer report. The burden of proof is on you not on me. Furthermore, I need you to cease and desist immediately all collection activities because this debt is disputed in its entirely. You JPMCB CARD under 12 CFR 1006.34 ( c ) Notice for validation of debts You are here by required to send all disclosures related to this allege debt to me. 15 USC 1692c ( c ) a consumer can refuse to pay a debt it is the Law. I refuse to pay this alleged debt. 

You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) - Failure to validate this alleged debt. 


Also I would like to bring to your attention a matter concerning the reporting of negative information to consumer reporting agencies, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 7 ). JPMCB CARD, you furnished Negative Information on my XXXX and XXXX XXXX Report that you identified as Charge-off. 

According to the FCRA Section 623 ( a ) ( 7 ) ( A i ), if a financial institution extends credit and regularly furnishes information to a consumer reporting agency regarding credit extended to a customer, it is required to provide written notice to the customer when furnishing negative information. 

Furthermore, as per Section 623 ( a ) ( 7 ) ( B i ), this notice is to be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency. 

Upon reviewing my consumer report, I have observed that negative information has been reported to consumer reporting agencies without the required notice as stipulated by the FCRA. As a result, I am formally disputing this information and requesting that you take the necessary steps to rectify this situation. 

You JPMCB CARD are in violation of this law of Section 623 ( a ) ( 7 ) ( A i ) you have not provided a written notice to the customer ( me ) prior to the reporting to the consumer reporting agencies. 

I, XXXX XXXX, never gave JPMCB CARD any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. I have not given JPMCB CARD permission to access my credit profile and YOU have no permissible purpose by law to contact third parties with my private or personal information. 

These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

( a ) Offenses.

( 1 ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

JPMCB CARD have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. You JPMCB CARD also do not have any permissible purpose to furnish my personal information to any third party. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have Not given No written instructions to JPMCB CARD to furnish this account on my consumer report, this a clear violation of 15 USC 1681b ( 2 ). 

You Failed to provide all the required Documentation as per my request under the new rule Regulation F and Validation of debt. 

The law is explicitly clear ignorance of the law is no excuse. Your 30-day Debt validation period has ended and you FAILED TO PROVIDE ALL REQIUED validation Information AS PER THE LAW 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

All collection activities on this Alleged Debt that you failed to provide validation within the 30-day period allowed by Federal law Pursuant 12 CFR 1006.34 ( c ) Must be DELETED Immediately.

Company response to consumer: Closed with explanation