Consumer complaint received 2023-03-01
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
American Express Has been on and off fruadulently reporting me as deceased. they have been opening and closing accounts in my name for over a year now. i have disputed this with the credit agencies and despite the clear misuse of my report. this is a direct violation of several laws and my consumer rights. 

Dear [ CFPB ], I am writing to file a complaint against American Express for multiple instances of fraudulent activity and violations of my consumer rights. 

Specifically, Amex has marked me as deceased multiple times and reopened accounts without my consent. This activity has resulted in unauthorized disclosure of my personal information, inaccurate credit reporting, and damage to my credit score and financial reputation.

I have contacted [ name of credit card company ] to dispute the activity and demand that they cease any further illegal activity on my accounts. However, they have failed to address the issue to my satisfaction, and I am seeking your assistance in resolving this matter. 

The actions of [ name of credit card company ] violate several of my consumer rights, including my right to privacy, accuracy, fair credit reporting, the right to dispute errors, and the right to be free from fraudulent and illegal activity by creditors and financial institutions. 

I request that you investigate this matter and take appropriate action to ensure that [ name of credit card company ] is held accountable for their illegal activity. I also request that any fraudulent information related to their activity be removed from my credit report. 

Right to privacy : The credit card company 's actions may have resulted in the unauthorized disclosure of your personal information, which violates your right to privacy. 

Right to accuracy : The credit card company 's fraudulent reporting of your status as deceased and reopening of accounts without your consent violates your right to accurate and complete credit reporting. 

Right to fair credit reporting : The credit card company 's actions may have damaged your credit score and financial reputation, which violates your right to fair and accurate credit reporting.

Right to dispute errors : The Fair Credit Reporting Act ( FCRA ) provides consumers with the right to dispute errors on their credit reports. The credit card company 's fraudulent reporting of your status as deceased and reopening of accounts without your consent may have resulted in errors on your credit report that you have the right to dispute. 

Right to be free from fraudulent and illegal activity : The credit card company 's actions violate your right to be free from fraudulent and illegal activity by creditors and financial institutions. 


i would also like to add section 623 of the fcra does not allow for credit reporting agencies to continue to report false information due to litagation or any reason.

Company response to consumer: Closed with non-monetary relief