JPMorgan Chase & Co. Complaint

JPMorgan Chase & Co. Credit card department,

I submitted a Credit Dispute directly to chase, as permitted in the FCRA. My dispute was that I am an authorized user on my fianc 's Sapphire Card, and they are reporting that on my credit. My dispute was to have them STOP reporting this line of credit to -, -, and - as I am ONLY an authorized user and not liable for the debt. The dispute was sent to Chase -/-/2016 through their online secure message center. Their terms and conditions and card member agreement to not specific an address or location to submit a credit dispute to, so as such, I submitted through this channel. On -/-/2016, Chase acknowledge my message. The correspondence to Chase through their message center will be attached to the case file. As of today, -/-/2016, I have not received a notice of determination as required in the FCRA. They have did not need an extension of 15 days, even so, they would still have failed to provide a required notice regardless of the outcome of my dispute within 45 days. Furthermore,

Chase is now willfully in violation of the FCRA. As permitted, I request them to honor my dispute to stop reporting me to the credit bureau as an authorized user. Also, I demand a payment of $1000.00 for Statutory Damages for their willful violation. Should Chase not do so, I will seek litigation for this matter. I will seek $1000.00 for their willful violation in addition to damages for their negligent violation as they failed to abide by their obligations under the FCRA. This is a blatant violation of consumer rights and is unacceptable. ( Though my documents are scanned .PDFs, the dispute with my ID/Credit Card were sent in COLOR removing an legibility issues. ) Regards, - -