Consumer complaint received 2023-12-14
Company: AMERICAN EXPRESS COMPANY
State: CO
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:
Subject : Follow-Up Consumer Opt-Out Dispute - Urgent Action Required On Account : American Express And Previous Recission of Permission to Furnished Data on My Consumer Report via Affidavit of Suretyship. 

Dear Consumer Financial Protection Bureau, I am writing to follow up on opt-out letters dated XX/XX/2023, and Affidavits of Suretyship Notarized XX/XX/2023 in which I formally exercised my right to opt out of all authorizations, whether written or unwritten, verbal or non-verbal, that I have given to American Express , XXXX, XXXX, and XXXX. This opt-out request is made in accordance with my rights as a Federally protected consumer under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

Regrettably, American Express, XXXX, XXXX, and XXXX have chosen to ignore both of my opt- out letters entirely, and my consumer information continues to be furnished without my consent. This persistent violation of my rights under the FCRA is unacceptable. 

This is an ongoing and egregious violation of my consumer rights, as detailed in my previous communications. I must assert my demand for appropriate remedies to rectify the harm caused by the continued dissemination of inaccurate and unauthorized information. 

As previously stated, I have unequivocally rescinded all permission for the furnishing of my personal information, in perpetuity, in accordance with the Fair Credit Reporting Act ( 15 U.S.C 1681 ), Section 604. Despite these clear and legally binding instructions, American Express, XXXX, XXXX, and XXXX have persistently and willfully disregarded the law, leading to a severe compromise of my privacy and financial well-being. 

The repeated and intentional violation of federal statutes, including the Fair Credit Reporting Act ( 15 U.S.C 1681 ) and the Protection of Nonpublic Personal Information ( 15 U.S.C 6801 ), raises grave concerns about American Express, XXXX, XXXX, and XXXXXXXX XXXX commitment to respecting the privacy and security of consumers ' nonpublic personal information. 



At This Time, I am disputing the following accounts : Company Name Account Number 1. American Express Account Ending : XXXX 2. American Express Account Ending XXXX 3. American Express Account Ending : XXXX 4. American Express Account Ending : XXXX 5. American Express Account Ending : XXXX 6. American Express Account Ending : XXXX 7. American Express Account Ending : XXXX 8. American Express Account Ending : XXXX 9. American Express Account Ending : XXXX 10. American Express Account Ending : XXXX 11. American Express Account Ending XXXX 12. American Express Account Ending XXXX 13. American Express Account XXXX XXXX 14. American Express Account XXXX XXXX 15. American Express Account XXXX XXXX 16. American Express Account Ending : XXXX 17. American Express Account Ending : XXXX 18. American Express Account Ending : XXXX 19. American Express Account XXXX : XXXX 20. American Express Account Ending : XXXX 21. American Express Account Ending : XXXX 22. American Express Account Ending : XXXX Below shows the proof of correspondence for Opt-Out Letters and Affidavits of Suretyship sent by me to each company which have been fraudulently disregarded. See Additional Attachments for Copies of Contents Sent. 
AFFADAVIT OF SURETYSHIP Company Name : Contact Attempts Certified Mail Tracking Number XXXX 1st Delivery on XX/XX/2023, XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Because the first contact attempts were disregarded, I saw fit to send a second attempt ; although by law, I am not required to tell an agency more than once to have these rectified. As such, they should have been rectified after receiving the first written instruction. 

XXXX XXXX Sent on XX/XX/2023 on route. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delivery on XX/XX/2023, XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX All attempts to have my written instruction performed properly have not been successful or rectified as of today. 

OPT-OUT LETTERS Company Name Contact Attempt for Account Number Certified Mail Tracking Number American Express Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Above shows a list of every account that has been Opted Out of data Furnishing with American including their tracking number displaying that they have been delivered and received. All attempts to have my written instruction performed properly have not been successful or rectified as of today. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation