Product: Credit reporting or other personal consumer reports

Complaint to the CFPB Against American Express Regarding Account Partial Account Number : XXXX Subject : Violations of the Fair Credit Reporting Act ( FCRA ), Mishandling of Private Information, and Contribution to Potential Identity Theft Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint against American Express for their egregious violations of the Fair Credit Reporting Act ( FCRA ), mishandling of my private information, and their role in potential identity theft by unlawfully reporting and sharing inaccurate information about my account. The issues include the following : 1. Conflicting and Inaccurate Account Status American Express has reported my account as both charged off ( XX/XX/XXXX ) and closed at consumers request, creating a clear conflict in reporting. This discrepancy violates FCRAs 1681e ( b ), which mandates the duty to ensure maximum possible accuracy of information reported to credit bureaus.

The dual reporting of the account status is misleading and unverified.

Such conflicting reporting harms my creditworthiness and violates federal law.

2. Failure to Verify Account Balances and Reporting American Express has reported : A balance of {$430.00} written off.

A past due amount of {$420.00}.

However, American Express has failed to provide documentation verifying these amounts. This violates 1681s-2 ( a ) ( XXXX ) ( A ) of the FCRA, which requires furnishers to ensure the accuracy of the information they report. 

Additionally : No credit limit or original account amount is reported, which constitutes incomplete reporting under 1681e ( b ).

Incomplete and unverifiable reporting of balances materially misleads credit bureaus and damages consumers. 

XXXX. Inconsistent and Incomplete Payment History The payment history on this account is riddled with inaccuracies and missing data. For instance : The history for XXXX XXXX shows No Data while other months reflect charge-offs or balances.

Inconsistent reporting violates 1681e ( b ) of the FCRA, as it fails to provide a clear and accurate account history.

4. Mishandling of Personal Information and Privacy Violations American Express has improperly associated this account with my legal name change, " XXXX XXXX XXXX, '' despite the fact that I never provided this name change to them. This constitutes : A violation of 1681b ( a ) of the FCRA, which governs permissible purposes for accessing and reporting consumer information.

An unlawful disclosure of my private legal information, which may constitute a breach of federal privacy laws. 

A potential facilitation of identity theft by mishandling sensitive personal data without authorization or consent. 

I suspect that American Express obtained my updated name through unauthorized means or shared it improperly with third parties, such as XXXX. This raises serious legal and ethical concerns about their data-handling practices. 

XXXX. Incorrect Reporting Timeline American Express has reported that this account will remain on my credit report until XX/XX/XXXX, which appears to exceed the FCRAs XXXX limit for reporting negative items ( 1681c ( a ) ( 4 ) ). 

The official Date of First Delinquency ( DOFD ) has not been verified or disclosed. 
Reporting beyond the allowed timeline constitutes an intentional or negligent violation of FCRA reporting laws. 

XXXX. Violation of Dispute Rights When I disputed this account with the credit bureau, American Express failed to : Properly verify the accuracy of the account information during the reinvestigation process, as required under 1681s-2 ( b ).

Notify the credit bureau to update the account as in dispute, violating 1681i ( c ) of the FCRA. 

Requested Resolution To resolve these issues and address the harm caused by American Expresss violations, I am requesting the following : Permanent Deletion of the Trade Line The American Express account ( Partial Account Number : XXXX ) must be permanently removed from all credit reporting agencies ( XXXX, XXXX, XXXX ). 
This is warranted due to : Conflicting and inaccurate reporting. 

Mishandling of my private information, including my legal name change. 
Failure to comply with FCRA requirements for verification and accuracy. 
Investigation into Unauthorized Sharing of Personal Information American Express must provide a full explanation of how they obtained my legal name change and whether they shared it with third parties. 

If a breach is found, American Express must notify federal authorities and implement safeguards to protect consumer data. 

Compensation for Damages Statutory damages of {$1000.00} per violation under the FCRA. 

Additional compensation for emotional distress and the time and effort spent addressing these issues. 

Formal Acknowledgment of Wrongdoing A written acknowledgment from American Express admitting their reporting errors and violations of federal law. 

A commitment to revising their policies to prevent similar incidents in the future. 
Correct Reporting Practices American Express must ensure their reporting is accurate, consistent, and compliant with FCRA guidelines, including proper verification of all account details before submitting them to credit bureaus.

Conclusion American Express has demonstrated gross negligence in reporting this account, mishandling private information, and failing to comply with FCRA requirements. Their actions have caused significant harm to my creditworthiness and have raised serious concerns about the security of my personal information. 

I respectfully request that the CFPB intervene to ensure that American Express is held accountable for their violations and to compel the permanent deletion of this trade line from my credit report. 

Sincerely, XXXX XXXX XXXX