Consumer complaint received 2021-04-08
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted the Credit Reporting Agency XXXX  about an account appearing on my credit report from American Express XXXX AMEX XXXX which I did not recognize. The account number information was being reported with incomplete information and partial account numbers which are a violation of the Fair Credit Reporting Act XXXX FCRA XXXX. I contacted XXXX  about this error on my credit report and sent a letter to them on XX/XX/XXXX explaining this to them and requesting that they delete this erroneous account. To my surprise, I received a response from XXXX  where they claim they were able to verify and update the information with AMEX as accurate, however their reply credit report they sent had missing fields like date of last payment was missing which is a violation of Metro 2 Compliance and the FCRA and inaccurate, unverifiable, missing, and unfair information such as a partial account number with asterisks instead of the full account number. I then sent a letter on XX/XX/XXXX asking XXXX for their method of verification for this account and the errors which was a violation of the law and for them to delete this account. Then after waiting nearly 60 days which is a violation of the FCRA because of being more than 30 days for a response, on XX/XX/XXXX I received a similar response from them stating that they verified that this AMEX account was valid and again they claim to update the information again however did not give a method of validation, as well as missing and incomplete account numbers and credit report information which is another violation of the FCRA. On XX/XX/XXXX I sent them a letter to reference the violation of FCRA for not responding in 30 days and that the accounts information on the credit reports were also missing numbers and therefore are invalid and must be deleted for inaccurate reporting. XXXX until this date has never responded in regards to this AMEX account. Then on XX/XX/XXXX I sent another letter for their failure to respond again in 30 days and to again demand the deletion of the AMEX account due to inaccurate and missing/incomplete reporting of the account number as a violation of the FCRA and Federal Consumer Laws. Since that time I still have yet to receive a response from XXXX  regarding their inaccurate reporting and violating the FCRA and other Federal Consumer laws regarding this account. They also continue to report this erroneous account. I received a letter from XXXX  asking me to contact the original creditor if I had an issue with the account. In addition, I also contacted AMEX by mail telling them about their incomplete inaccurate and unfair reporting of this account and that I did not recognize this account on XX/XX/XXXX, with no repsonse within the required 30 days and on XX/XX/XXXX I wrote them letters for not responding and violating the FCRA and not reporting to the XXXX  and the other credit bureaus that I disputed this account with no response each time from AMEX regarding this account. Neither XXXX nor AMEX did not do their investigation in this matter and replied more than 30 days late or not at all and are reporting the information inaccurately for this account which is severely affecting my creditworthiness and ability to obtain a car and other credit opportunities which would afford me to live a better quality life. I also noticed they have over 100,000 complaints in the last 3 months with other people complaining of similar terrible treatment and inaccurate reporting and both AMEX and XXXX breaking the consumer federal and state law of not responding in 30 days and not reporting complete account number or not properly doing their investigation and responding in the required time as required by law.

Company response to consumer: Closed with explanation