Consumer complaint received 2023-11-15
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX Company : American Express REF XXXX XXXX ( XX/XX/XXXX ) XXXX Credit Reported Address : XXXX XXXX XXXX XXXX, PA XXXX Subject XXXX Adverse Action Notice - Request for Remedy Under ECOA, FCRA, and Social Security Act I am writing to address the recent denial of my credit application, as indicated in the adverse action notice dated XX/XX/XXXX and XX/XX/XXXX. I am deeply concerned about potential violations of the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and the unauthorized use of my Social Security information, which may implicate provisions of the Social Security Act. 

Under the ECOA, discrimination in credit decisions based on certain factors is strictly prohibited. Furthermore, in accordance with 15 USC 1611 whoever willfully and knowingly gives false or inaccurate information shall be fined not more than {$5000.00} or imprisoned not more than one year or both. American Express advertisement stated that by applying that my credit would NOT be affected by submitting the application later to find out I have ( 2 ) verified soft inquiries on my credit report for both dates and contacted their customer service line and they referenced my application as a " New Account '' which means my credit was in fact pulled for the purposes of obtaining a credit line of which I was wrongfully denied and tricked by misleading advertisement in the process. 

The Credit Reporting Agency that reflected these inquires were XXXX I am particularly concerned about potential unauthorized credit pulls and false or misleading advertisements, which may implicate the Social Security Act. If my Social Security information was used without my permission or if false advertising practices were involved, I want to bring to your attention that this could be in violation of the Social Security Act. 

Considering the gravity of these potential violations, I am seeking a thorough investigation into the circumstances surrounding the credit denial and the unauthorized use of my Social Security information. If evidence of discrimination, unauthorized credit pulls, or false advertising is found, I expect appropriate action to be taken to rectify the situation and uphold fair lending practices. 

Please provide me with the necessary information to initiate this process and keep me informed of the steps taken to address my concerns. You may reach me at [ Your Contact Information ] to discuss this matter further.

Violations-False Misleading Advertisement ( Credit will not be affected by applying for this credit. Law-A creditor shall not make any oral or written statement, in advertising or otherwise, to applicants or prospective applicants that would discourage, on a prohibited basis, a reasonable person from making or pursuing an application. Resulted in a soft inquiry on my credit report twice ) I XXXX XXXX am seeking remedy for {$10000.00} for this violation. 

Violation-Denial of Credit to a worthy applicant on a prohibit basis regarding ANY aspect of a credit transaction. ( My credit was denied twice by American Express ) XXXX XXXX XXXX am seeking remedy for {$10000.00} for this violation. 

Violation-Credit Inquiry reflected on my credit report twice as evidence of securities being received to American Express on my behalf. I would ANY and ALL inquires REMOVED from all credit reporting agencies listed with CFPB to be notified to remove and restore positivity to my credit profile. 

In lieu of these violations a full remedy of my right to an open ended line of credit with American express under both credit lines would be the most received. It is my intention to create a long credit history with American Express as the reason I extended my credit to work with their company. 

Sincerely, XXXX XXXX XXXX. I was not able to attach correspondences to this form. But, can submit upon request.

Company response to consumer: Closed with explanation