Consumer complaint received 2017-05-06
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I ca lled American Express about    XXXX   months ago to have myself removed from a  XXXX  Amex account that I was an authorized user on.     The representative stated it was removed and we got off the phone.     Today,   XXXX   XXXX   XXXX     I was cleaning up my credit report and on the phone with   XXXX   and logged into my   XXXX    account viewing the information I was discussing with the representative at  XXXX . In turn I have removed  XXXX  mis-spelling 's of my name due to data entry errors from several creditors on open and closed accounts. The credit bureau's/experian can not change or delete any wrong information on an existing/open account being reported by a creditor.     In turn.     The ISSUE is that AMEX is reporting the following   1-mis-spelling of my name 2-Address incorrect.
3-AMEX account open with a limit o  f  XXXX . zero balance.    4-Current as  of   XXXX   and reported most recently as of  XXXX   5-responsibility terminated I just c alled  Amex a nd spoke to a woman. This call was placed to  XXXX  at  XXXX  pm mountain time. The total call time was  XXXX  minutes and  XXXX  seconds and my phone number that was used to make the call is shown in the attachment uploaded.     Here is what the representative told me after I provided her with my FULL SOCIAL SECURITY NUMBER.    1-I 'm  sorry, the system is down  ( huh ) 2-I ca  n't find an accoun t ( huh ) 2-well  wait, let me use the  full social ( huh, y ou already had it, why would you now be saying FULL SOCIAL, I gave you the full social )  3-what is your mother 's date of birth-provided/verified 4-I ca n't find an o pen account ( not my problem )  5-If  this is  XXXX  let me give you the number to call them ( NO, I am not spending time calling  XXXX  and why would  XXXX  have anything to do with this if they are not the creditor   ) 6-I said no, not spending any more time on this subject.
7-She said she will transfe  r me. I said, are you dumping me into a standard automated system. What department are you transferring me to? She said the correct dept, I said what department,  XXXX ? Then she disconnected the call on me intentionally hanging up the phone.     I also told her in the beginning of the call that I was filing a complaint with the CFPB if it is not resolved now because it is not responsibility to chase this incorrect data correction. That is an employee 's error for not paying attention to what they are doing and moving to fast or being lazy. Errors are not ok to fix. They should not be made, period with information and data pertaining to someone 's else 's credit and this problem of oversight is far to often accepted as being ok or normal.     Therefore I am filing this complaint because this is not my problem to find, clean up, correct or track down who, what, where, when or manage employees that are not capable of handling a routine phone call unles s Amex wa nts to pay me for my time. I do n't have hours and hours to waste because a company is too big to manage themselves. The employee I spoke with knew this and chose to hang up on me because all she was going to do was transfer me to  XXXX  whom is not the creditor.     How can a company be reporting an account like I stated above but not have the ability to pull up the account or find it or access it?     I do n't care if there might be a problem accessing it because it is a costco related  AMEX. Not my problem. The credit bureau says AMEX , not  XXXX .     I am also not disputing it with the credit bureau because I should not have to and disputed accounts more often go unresolved as well from creditors and they stay on the bureau forever in that format. Causing more follow up and time wasted with exhausted efforts.     I want this deleted from my account yesterday just like the representative told me  XXXX  months ago I was removed as an authorized user but apparently did n't do her job either.      American Express ha s issues managing there network and employees and does not empower employees to fix a problem otherwise this complaint would never have been followed. So   AMEX can waste their own time and not mine.
I can be r  eached at the number on the attached document in order to provide my social to whomever contacts me to correct this problem for once and for all.

Company response to consumer: Closed with non-monetary relief