Consumer complaint received 2023-08-15
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Greetings, Consumer Financial Protection Bureau the credit bureaus responsible for maintaining accurate credit information, has committed egregious violations of consumer law, which I am writing to report. It is crucial that these violations are dealt with promptly and appropriately. Prior to anything else, I would like to highlight the Bureaus problematic practice of removing prior dispute results from their records. Each Bureau has removed derogatory information from my credit report following the initial investigation into my dispute. However, they have repeatedly failed to retain these deletion records, resulting in the re-reporting of deleted accounts. In addition to undermining the integrity of the dispute procedure, this practice violates the Fair Credit Reporting Act ( FCRA ) by misrepresenting accurate credit information. I request that the Consumer Financial Protection Bureau assures XXXX is held accountable for this practice and mandates the retention of all dispute outcomes and deletion records.The following violations are included, but not limited to : Failure to comply with Section 809 ( b ) of 15 USC 1692g - Validation Request : This section grants me the right to request validation of the putative instruments of indebtedness. The credit bureaus have, however, neglected to provide me with the original loan documents bearing my signature, as required by Section 609 ( a ) ( 1 ) ( A ) of the FCRA. They have only responded " VERIFIED " in their response, without any actual evidence, which does not satisfy the legal requirement for verification. Inaccurate Reporting and Violation of FCRA Section 1681e of Title 15 In apparent violation of Section 1681e of Title 15 United States Code, the credit bureaus have reported inaccurate information on my credit file. This includes reporting fraudulent late payments, negative loan and credit card accounts, as well as unauthorized hard inquiries.

Section 1692e of Title 15 of the United States Code prohibits these fraudulent and deceptive statements. Willful and Negligent Noncompliance with the FCRA and Consumer Law : Despite my prior dispute investigations resulting in the removal of derogatory information, the credit bureaus have continued to report inaccurate and unverified items on my credit report. This willful and negligent violation of the FCRA is a violation of Sections 616 and 617, which provide civil liability and remedies for affected consumers. Reporting Deleted Information : Violation of Section 405 ( a ) of Title 15 U.S. Code Once information has been purged due to fraud, it can not be reported again, per Section 405 ( a ) of Title 15 of the United States Code. However, credit reporting agencies continue to report deleted accounts In accordance with the Fair Credit Reporting Act American Express Account # XXXX, American Express Account # XXXX, American Express Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief