Product: Credit reporting or other personal consumer reports

Complaint to the CFPB Against American Express Subject : Violations of the FCRA and Mishandling of Account Information Related to Account ( Partial Account Number : XXXX ) Dear Consumer Financial Protection Bureau, I am filing a formal complaint against American Express for violations of the Fair Credit Reporting Act ( FCRA ) related to their reporting of the account associated with Partial Account Number : XXXX. These violations have caused significant harm to my credit profile, financial standing, and personal privacy. 

1. Inaccurate and Conflicting Account Status ReportinXXXX American Express has reported this account as charged off in XX/XX/XXXX XXXX despite comments stating that the account was closed at the consumers request. This inconsistency demonstrates a failure to ensure accurate reporting. 

Violation : Under 15 U.S.C. 1681e ( b ), American Express is required to follow reasonable procedures to ensure the maximum possible accuracy of the information they furnish to credit reporting agencies.

2. Retention of Negative Information Beyond Legal Limits The account is scheduled to remain on record until XX/XX/XXXX, which appears to exceed the seven-year limit allowed under the FCRA for reporting negative information.

Violation : Under 15 U.S.C. 1681c ( a ) ( 4 ), American Express must ensure that negative information does not remain on a consumers credit file for longer than seven years from the date of first delinquency.

If this timeline reflects re-aging of the debt, it would constitute a willful violation of the FCRA.

3. Incomplete and Missing Payment History The payment history for this account is incomplete, with several months marked as No Data. This failure to provide accurate and complete information renders the reporting misleading and unreliable.

Violation : Under 15 U.S.C. 1681e ( b ), American Express must furnish complete and accurate information to ensure credit reports are reliable for users and consumers.

4. Balance Discrepancies The account shows a high balance of {$67000.00}, while the recent balance as of XX/XX/XXXX is listed as {$10000.00}. These discrepancies indicate a failure to validate and accurately report balances. 

Violation : American Express has failed to ensure the accuracy of the amounts reported, as required under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which obligates furnishers to report accurate information to credit bureaus.

5. Mishandling of Personal and Private Information A. Unauthorized Association of Personal Information American Express has associated my legal name change, XXXX XXXX XXXX, with this account, despite never having received this information from me directly. This raises serious concerns about how they accessed or shared my private information. 

Violation : This unauthorized use of personal data constitutes a violation of 15 U.S.C. 1681b, which governs the permissible purposes for obtaining and sharing consumer information. 
B. Unauthorized Sharing or Disclosure If American Express disclosed my legal name change to third parties, such as XXXX or XXXX, without my consent, it would be a clear breach of privacy protections under 15 U.S.C. 1681c-2.

6. Failure to Verify and Investigate Disputes American Express has failed to properly investigate discrepancies in account status, balances, and payment history despite disputes being filed with the credit bureaus.

Violation : Under 15 U.S.C. 1681s-2 ( b ), furnishers must conduct reasonable investigations into disputed information and correct any inaccuracies. American Express has failed to comply with this obligation.

Requested Resolution To resolve these issues, I request the following actions from American Express : Permanent Deletion of the Trade Line Remove all references to the account ( Partial Account Number : XXXX ) from my credit report. This includes ensuring that any negative information associated with this account is deleted from all credit reporting agencies. 
Acknowledgment of Errors and Privacy Violations Provide a written acknowledgment of their errors, including : Failure to accurately report the account status and payment history. 
Any unauthorized disclosure or misuse of my legal name change and private information. 
Compensation for Harm Provide statutory damages of up to {$1000.00} per violation, as allowed under 15 U.S.C. 1681n ( a ).

Compensate me for the financial and emotional harm caused by their actions, including any negative impact on my credit score.

Review and Correction of Reporting Practices Commit to implementing improved internal procedures to ensure compliance with FCRA requirements, particularly regarding accuracy, completeness, and consumer privacy.

Provision of Free Credit Monitoring Provide two years of free credit monitoring services to ensure the accuracy of my credit reports and to safeguard against any future inaccuracies or privacy breaches.

Conclusion American Expresss actions demonstrate negligence in reporting accurate account information and respecting my privacy. Their violations of the FCRA have caused harm to my credit profile and financial standing. I urge the CFPB to investigate this matter thoroughly, enforce compliance with federal laws, and compel American Express to provide the requested resolution.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX