Consumer complaint received 2021-03-31
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I contacted the Credit Reporting Agencies XXXX about an account with American Express XXXX AMEX XXXX which I don't recognize and that were reporting on my credit report. The account numbers information was being reported with incomplete information and partial account numbers which are a violation of the Fair Credit Reporting act. I contacted XX/XX/XXXX about this error on my credit report and sent a letter to XX/XX/XXXXon XX/XX/XXXX explaining this to them and requesting that they delete this erroneous account. To my surprise, I received a response from XX/XX/XXXXwhere they claim they were able to verify and update the information with AMEX as accurate, however the credit report they sent had missing fields like date of last payment was missing which is a violation of Metro 2 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 them 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. I then received a response after sending a previous letter to them claiming they could not find my information and requesting documentation to verify my identity after they found it previously with my previous letter. On XX/XX/XXXX I sent them the required documents requested to verify my identity with the letters sent previously and did not receive a response, so I sent another letter on XX/XX/XXXX that they were in violation of Federal and State Consumer Laws for not responding within 30 days. Finally, On XX/XX/XXXX they responded again claiming they could not find my file and wanted me to send documents again to verify my identity. On XX/XX/XXXX I sent them the documents requested and the original letters sent prior and they replied back on with a copy of a credit report with missing, incomplete and unverifiable account number for the AMEX account and other accounts as well as missing fields again but did not address my complaint about the erroneous account. Finally on XX/XX/XXXX I received a letter fromXX/XX/XXXX asking me to contact the original creditor if I had an issue with the account. In addition, I also contacted American Express XXXX AMEX XXXX by letter 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 response. On XX/XX/XXXX, and XX/XX/XXXX I wrote them letters for not responding a violating the FCRA and not reporting to the XX/XX/XXXXthat I disputed this account with no response each time from AMEX regarding this account. Neither XX/XX/XXXX or 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 about this AMEX 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 XXXX complaints in the last 3 months with other people complaining of similar terrible treatment and inaccurate reporting and them breaking the consumer federal and state law of not responding in 30 days.

Company response to consumer: Closed with explanation