Consumer complaint received 2022-04-21
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Act, American Express XXXX XXXX XXXX American Express has violated my federal protected consumer rights below. 

15 U.S.C 1681b 2. 
Permissible Purpose of Consumer Reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 S-2 ( 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. 

15 U.S.C 1681s-2 ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Please be informed that contact was made to American Express XXXX XXXX XXXX American express via a telephone for the sole purpose of getting the company physical address since it was not included in the letter sent to me and they refused to provide me with the company physical address instead provided me with a po box information. 

Please note that a Request for VALIDATION letter was sent to American Express XXXX XXXX XXXX American express on XX/XX/XXXX via USPS XXXX mail with TRACKING # XXXX and was delivered on XX/XX/2022. In that letter, the alleged Debt was DISPUTED and i made it clear to American Express XXXX XXXX XXXX American Express that i have never had any credit card with account number ending XXXX as they alleged in their email. Furthermore, I request for documents such as the original contact of the alleged account and other documents. 

American Express XXXX XXXX XXXX American Express placed a collection on my Credit Report on XX/XX/2022 receiving my request for VALIDATION letter on XX/XX/XXXX in which i DISPUTED the alleged account and informed them that i have NEVER had any account ending in XXXX. This is a VIOLATION of Fair Credit Act listed above. 

American Express XXXX XXXX XXXX American Express REFUSED to mark the collection placed in my credit report as DISPUTED after receiving my request for VALIDATION letter which clearly stated that the alleged account ending in XXXX is DISPUTED. Supporting evidence is attached. This is a violation of the Fair Credit Act listed above. 

American Express XXXX XXXX XXXX American Express is being deceptive in his practice. It has American Express listed 6 times in the email sent to me and has American Express XXXX XXXX which is a violation of the Fair Credit Act.

Company response to consumer: Closed with explanation