Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
JPMCB CARD account XXXX XXXX  is in violation of multiple laws set forth by Congress in regards to the 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( XXXX XXXX ) and the person ( JPMCB CARD ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( JPMCB ) shall not furnish any information relating to a consumer ( XXXX XXXX XXXX to any consumer reporting agency XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. JPMCB CARD can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. on credit report. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website to JPMCB when I responded to them about this request. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from JPMCB CARD for the cancelled debt of { { {$1700.00} } } from JPMCB CARD in order to file as ordinary income. Where is my 1099-C JPMCB? clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! JPMCB CARD has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In their terms and conditions they agreed not to share my XXXX XXXX information with non affiliates.Since a Charge-Off is considered income, it has to be removed as well. 

Income can not be reported on credit files according to IRS regulations as they are considered a certificate of indebtedness and it is possible that a 1099-C will be issued. How ever, a non affiliates. XXXX XXXX, XXXX and XXXX is not an affiliate of JPMCB nor is they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given JPMCB companies written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation