Consumer complaint received 2022-10-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been for the past 3 years trying to restore my identity and remove the fraudulent accounts opened online without my knowledge/ consent. 2 of which consist of AMEX credit card accounts ; acct # XXXX reported opened on XX/XX/XXXX with a charge off balance of {$1700.00}. The other account was deleted because it contained the person who committed the crime had his name added to the account. However, both accounts were fraudulently opened by a known and identifiable person by the name of XXXX XXXX XXXX. I have provided to copies of all supporting documents required to substantiate the basis of the dispute which include ; copy of a police report from XXXX XXXX, Federal Trade Commission report and XXXX XXXX XXXX ( XXXX ) to AMEX as well as XXXX and XXXX. 

All supporting documentation contains account statements as well as the identifying information related to the specific person involved resulting in me being a victim of identity theft ( 16 CFR 603.2 ). I received a letter in the mail on XX/XX/XXXX AMEX that stated they will let me know once investigation was completed. XX/XX/XXXX AMEX mailed a following letter which included they determined I was the one who opened the account and could not accept my request to remove the fraudulent account. 

According to the Section 609 ( e ) of FCRA, I am entitled to ask for a copy of the original signed application contract as well as any other transactions on record AMEX used to determine the accuracy of information reported. I replied with a letter in pursuit of Section 609 ( e ) of FCRA requisition for the signed original contract along with what records AMEX used to conclude their results. 

On XX/XX/XXXX, my case worker from XXXX, XXXX XXXX and I called AMEX on a conference call to get a resolution. We spoke with a representative of AMEX by the name of XXXX XXXX XXXX ( I had a hard time understanding with the language barrier ) employee id he gave us was XXXX XXXX XXXX XXXX  XXXX. I mentioned I have submitted the FEDERAL TRADE COMMISSION Report, XXXX Complaint, and XXXX TX Police Report regarding Identity Fraud all of which includes the AMEX account XXXX and specific details. The AMEX fraud department representative asked for the officers name, I gave him the officers name as well as the XXXX 's name that was assigned to my file. The AMEX rep mentioned that was all he needed and he would be finalizing the investigation and proceeding with the removal from my credit report. XXXX with XXXX asked for a report or reference number so we could have it for our file. AMEX rep mentioned he would be sending it over to me via email and would be sending a letter in the mail upon completion with in XXXX - XXXX weeks. 

AMEX never sent the email containing the information that was provided over the phone however XX/XX/XXXX, I received a letter in the mail which stated, they can not accept my request as a result of concluding I was the person who opened the account. Ironically, when I searched the return po box , the address that is provided in the letter does not match the address in which is provided on AMEX website. Now, I am not only highly frustrated, I feel completely violated, again, because I responded to the 2nd letter via email to the address provided in the letter which included a copy of my social security, drivers license and other forms of identification to verify I am who I say I am because without sending those documents, the creditor likely will respond to the dispute denying to investigate without legitimizing where the letter came from, " information available to victims. '' Furthermore, as a person that is a victim of Identity Theft by both a known suspect and XXXX XXXX XXXX, with supporting documents, it is discomforting to know how I am currently homeless as a result of the damages done by others. In my opinion, this is a prime example of how easy it is for a scammer to get a hold of someones personal information. Moreover, how easy they seem to get away and or protected by credit reporting agencies.

Company response to consumer: Closed with explanation