Consumer complaint received 2022-12-26
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, the consumer and natural person, was denied credit by your financial institution when I applied for a credit limit extension. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC.169l ( c ) and is pursuant to civil liability under 15 USC. 1692k. 
I have proof that I was discriminated against by your financial institution due to the response I received. 
Your financial institution is in violation of 15 US. Code 1642, US. Code 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of your financial institution. 

The actions taken by your institution is impairing the efficiency of the banking system because you are not vested in insuring the accuracy of credit consumer reports. Causing me to lose confidence in the banking system. I am a federally protected consumer and under USC 1692 ( n ) therefore none of your policies or state laws supersede Federal laws.

Under USC 1681 ( e ) your company has a duty to assure the maximum possible accuracy. 

I have found your financial institution has been assuming a vital role in furnishing deceptive forms which is a violation under USC 1692 ( j ). Which have caused years of damage to my and my familys well being.

Since You have never provided me with validation of debt or damages ; which is a violation under USC1692g. 

Your institution knowingly reported personal credit information that was false ; which is another violation under USC 1692 ( e ) 10.

I didnt receive any separate disclosure statements of my rights written clearly and conspicuously ; which violates USC 1637 ( b ). 

Misrepresenting your financial institution as a debt collector since I the original creditor never provided you with written or oral permission to do so violating my rights protected by USC 1681 ( B ) ( 2 ) Your institutions neglectful, abusive, unfair, false and misleading debt collection practices are in violation of USC 1692 ( a ). 

You must respect my right to privacy under USC 1681 ( a ) ( 4 ) which you have willingly been non compliant to violating my right to privacy as a federally protected consumer. 

You have used profane language towards myself, the consumer in your statements causing emotional stress and unwarranted pressure. You are subject to criminal liability for violating USC 1692 ( k ).

I have also suffered greatly due to your misleading practices and have thought less of who I am because of it and have acted accordingly. I have yet to be able to move out of my parents home for 17 years, I havent even been able to secure any vehicles, modes for transportation besides a bicycle due to the inaccurate reporting your Institution has willfully furnished and shared to other credit bureaus, damaging my consumer report is also in violation of my consumer rights and have caused defamation of my character, my familys character and that of my followers clear violations under USC1692 ( k ). 

The actions taken by your financial institution involve racketeering through the means of extortion with your harassing and pressuring myself, the consumer, to pay alleged debts.

Company response to consumer: Closed with explanation