Product: Credit reporting or other personal consumer reports

Complaint to the CFPB Against XXXX Regarding Violations on American Express Account ( Partial Account Number : XXXX ) Subject : XXXX Violations of the Fair Credit Reporting Act ( FCRA ) and Federal Privacy Laws Dear CFPB, I am filing this complaint against XXXX for their egregious violations of the Fair Credit Reporting Act ( FCRA ) and privacy laws regarding the reporting of my American Express account ( Partial Account Number : XXXX ). 

Their actions have caused severe harm, including inaccurate credit reporting, mishandling of personal information, and potential identity theft due to unauthorized sharing of my private legal name change. 

Below is a detailed outline of the violations and my requested resolution. 

XXXX. Account Status Discrepancy XXXX is reporting this account as both charged off in XX/XX/XXXX and closed at consumers request. These conflicting statuses violate the FCRAs requirement for accurate and consistent reporting. 

Violation : 1681e ( b ) - Duty to ensure maximum possible accuracy of information. 

Questions : How was the charge-off status determined, and was it properly verified with American Express ? 

Does XXXX acknowledge that reporting conflicting statuses creates a false and misleading credit report? 

XXXX. Lack of Verification of Account Balances XXXX has reported a {$430.00} write-off and {$420.00} past due without providing evidence that these amounts have been independently verified with American Express XXXX 

Violation : 1681i ( a ) ( 1 ) ( A ) - Duty to reinvestigate disputed information. 

Questions : Can XXXX provide documentation verifying these amounts? 

If no verification exists, isnt this a violation of the FCRAs accuracy requirements? 

XXXX. Missing Key Account Information The credit limit or original amount for this account is missing, which affects XXXX ability to ensure accurate reporting. 

Violation : 1681e ( b ) - Duty to ensure maximum possible accuracy of information. 

Questions : Why is this critical information missing? 

How does XXXX ensure the completeness of reported information when key data is omitted? 

XXXX. Inconsistent and Incomplete Payment History The payment history for this account shows No Data ( ND ) for several months ( e.g., March-August 2023 ) while other months reflect balances or charge-offs. 


Violation : 1681e ( b ) - Duty to ensure maximum possible accuracy of information. 

Questions : Has XXXX verified with American Express why payment history data is missing? 
Does incomplete payment history meet the FCRAs standards for accurate and full reporting? 

XXXX. Retention and Sharing of Personal Information XXXX has connected my legal name change, XXXX XXXX XXXX, to this account, even though I never provided this information to American Express. 

Violation : 1681b ( a ) - Permissible purposes of consumer reports ( unauthorized disclosure ). 

Privacy Violation : XXXX has potentially shared my private legal name change with American Express or other third parties without my consent, constituting a breach of privacy. 

Questions : How did XXXX obtain and connect my legal name change to this account? 

Has XXXX shared this information with American Express without my knowledge? 

What legal authority allows XXXX to share private information, such as a legal name change, without authorization? 

This breach raises serious concerns about the unauthorized use and disclosure of my personal information as part of a potential identity theft or fraudulent activity scheme. XXXX 's handling of my private data has exposed me to harm and calls their compliance with federal privacy laws into question. 

XXXX. Incorrect Reporting Timeline XXXX has scheduled this account to remain on my report until XX/XX/XXXX, despite the charge-off occurring in XX/XX/XXXX. 

Violation : XXXX ( a ) ( XXXX ) - Time limitation on reporting adverse information ( 7-year limit ). 
Questions : What is the official date of first delinquency for this account? 

Does the reporting timeline align with FCRA guidelines? 

If XXXX is misreporting the timeline, this may constitute an intentional violation of federal credit reporting laws. 

Requested Resolution To resolve this matter fairly, I demand the following actions : Permanent Deletion of the Trade Line Due to the numerous violations of the FCRA, XXXX must permanently delete the American Express account ( Partial Account Number : XXXX ) from my credit report. 

The deletion is warranted due to inaccurate reporting, conflicting account statuses, and privacy violations. 

Formal Investigation into Privacy Breaches XXXX must provide a formal report detailing how my legal name change, XXXX XXXX XXXX, was obtained and shared with American Express or third parties without my consent. 

If identity theft or unauthorized use of my private data is discovered, XXXX must notify law enforcement and take immediate steps to secure my personal information. 

Compensation for Damages XXXX must compensate me for the harm caused by their violations, including : Emotional distress and time spent disputing inaccuracies. 

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

Punitive damages to deter future violations. 

Revision of Policies and Practices XXXX must revise its procedures for verifying account information, reporting payment history, and protecting consumer privacy to ensure compliance with FCRA and federal privacy laws. 

Immediate Compliance Confirmation XXXX must provide written confirmation of these actions within 30 days, including evidence of the trade lines deletion and assurances of compliance with federal law. 

Conclusion Experian actions in this case represent clear violations of the FCRA and consumer privacy laws, as well as reckless disregard for the accuracy and security of my personal information. I request the CFPB to hold XXXX accountable for their actions and ensure that these violations are addressed immediately. 

Sincerely, XXXX XXXX XXXX