Consumer complaint received 2023-09-28
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to file a complaint against American Express and XXXX XXXX XXXX XXXX for Credit Reporting Violations Under FCRA Sections 602 ( a ), 604, 1681 ( a ) ( 5 ), and 1681s-2 ( a ) ( 1 ) American Express charged off this account and did not send me a XXXX XXXX  tax form and XXXX XXXX XXXX XXXX XXXX XXXX for the debt. There are also reporting violations on my Credit Report for this account. These violations are in direct contravention of FCRA Sections 602 ( a ), 604, 1681 ( a ) ( 5 ), and 1681s-2 ( a ) ( 1 ). 

Violation of FCRA Section 602 ( a ) ( 15 U.S.C. 1681a ( f ) ) : American Express has improperly reported information about my credit history without obtaining proper consent as required by Section 602 ( a ) of the FCRA. 

Violation of FCRA Section 604 ( 15 U.S.C. 1681c ) : American Express has provided my credit report to unauthorized parties, thereby violating the restrictions outlined in Section 604 of the FCRA. 

Violation of FCRA Section 1681 ( a ) ( 5 ) ( 15 U.S.C. 1681 ( a ) ( 5 ) ) : American Express continues to report information that is inaccurate and has not taken steps to maintain the accuracy of the data as required by Section 1681 ( a ) ( 5 ) of the FCRA. 

Violation of FCRA Section 1681s-2 ( a ) ( 1 ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) : American Express has failed to conduct an adequate investigation of my disputes as mandated by Section 1681s-2 ( a ) ( 1 ) of the FCRA. 

Tax Violation : American Express charged off this account then sold the account to XXXX XXXX XXXX XXXX. and I was not given a XXXX Tax form. 

Please request American Express to delete this account as I no longer own them money for this charged off account. 


Below please see all reporting violations/errors XXXX and XXXX : Inaccurate Reporting of Account Status ( Section 1681e ( b ) ) : Reporting the account as XXXX XXXX XXXX without accurately reflecting the consumer 's dispute status is a violation. 

Failure to Correct Inaccurate Information ( Section 1681i ) : Information previously disputed and not corrected. 

Incorrect Payment Status ( Section 1681s-2 ) : Reporting a past-due balance of {$9100.00}. How is there a balance if the account is charged off.? 

Incorrect High Credit Amount ( Section 1681e ( b ) ) : Reporting different high credit amounts for XXXX and XXXX ( XXXXXXXX XXXX XXXX XXXX  XXXX : 5. Continued Reporting of " XXXX '' ( Charge-off ) Status ( Section 1681s-2 ) : Reporting the account as XXXX XXXX XXXX multiple times Inaccurate Reporting of Last Reported Date ( Section 1681e ( b ) ) : Reporting different last reported dates for XXXX ( XX/XX/XXXX ) compared to XXXX and XXXX ( XX/XX/XXXX ). 

Failure to Update Account Status ( Section 1681s-2 ) : Not updating the account status to reflect changes, such as disputes and resolutions, may be a violation. 

Inaccurate Reporting of Date Last Active ( Section 1681e ( b ) ) : Reporting different dates last active for XXXX ( XX/XX/XXXX ) compared to XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) without justification could be a violation.

Company response to consumer: Closed with explanation