Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
After reviewing my credit report I had found information regarding my personal bank checking account information had been shared without my written permission. I ordered my XXXX XXXX XXXX report and found a substantial amount of my personal banking transaction history disclosed to the third party, XXXX XXXX XXXX, which JP Morgan Chase Bank provided to XXXX XXXX XXXX without my written permission as stated in the JP Morgan Chase Checking Account Terms and Conditions Contract 8. Disclosure of account information to third parties Information about your account or the transactions you made will be disclosed to third parties : As necessary to complete transactions ; In connection with the investigation of any claim you initiate ; To comply with government agency, arbitration or court orders ( including subpoenas ) ; With your written permission ; After reading the Fair Credit Reporting Act 15 USC 1681 and Privacy Act of XX/XX/1974 ( Public Law 93-579 also codified in 5 USC 552a ), it clearly states in 15 USC 1681a 603 ( d ) ( 2 ) Exclusions ( A ) ( i ) " report containing information solely as to transactions or experiences between the consumer and the person making the report '' means reporting transaction history is illegal. 15 USC 1681 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy As defined by 15 USC 1681a 603 ( d ) ( 3 ) ( f ), XX/XX/XXXX are third party consumer reporting agencies and I am the Consumer. I, the Consumer, have the right to protect my private information from being shared with the authority of 15 USC 6801. 6801 states verbatim, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to the respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. A financial institution is defined as a furnisher of information to credit agencies under 15 USC 6809 and further defines nonpublic personal information under 6809 ( 4 ) ( A ) ( i ) provided by a consumer to a financial institution, ( ii ) resulting from any transaction with the consumer ( iii ) otherwise obtained by the financial institution. 15 USC 1681 604 ( 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 never given consent to any financial institution ( furnisher of information to credit agencies ), to furnish my nonpublic personal information nor have I given consent to JP Morgan Chase Bank or XX/XX/XXXX to furnish this information to any person or entity. I have never given any written consent to any of these agencies. I am now revoking any and all consent, whether verbal or non-verbal, written or implied, to JP Morgan Chase Bank and XX/XX/XXXX, ( furnisher of information to credit agencies ). 15 USC 6802 ( b ) ( c ) states A financial institution may not disclose nonpublic personal information to a non-affiliate third party unless the consumer is given an explanation of how the consumer can exercise that non-disclosure option. ( Furnisher of information to credit agencies ) never informed me of my right to exercise my non-disclosure option. Also stated in 15 USC 1681c 605 ( a ) Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item of information they are reporting without my permission which is against the Law. 15 USC 1681s-2 623 ( a ) ( 1 ) ( A ) states Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Reporting transaction history is illegal, and I have never given any written consent to JP Morgan Chase nor have I ever given written consent to XX/XX/XXXX to publish, provide or maintain my personal banking transaction history. I have attached both my personal XX/XX/XXXX report and a copy of JP Morgan Chase Bank Terms and Conditions.

Company response to consumer: Closed with explanation