Consumer complaint received 2019-10-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX ) AMERICAN EXPRESS sold a 2 charged off accounts to XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I haven't been in the country to open these accounts. American express and XXXX XXXX   XXXX haven't submitted signed agreements nor other information I requested from them. Account # XXXX Blue Cash Everyday ( ending - XXXX ) {$3200.00} SimplyCash Plus Card ( ending XXXX ) {$3600.00} 2 ) XXXX XXXX XXXX sold a charged off account to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX Phone XXXX I haven't been in the country to open these accounts. American express and XXXX XXXX   XXXX haven't submitted signed agreements nor other information I requested from them. Acct # XXXX {$3300.00} 3 ) XXXX XXXX sold 2 charged off accounts XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, VA XXXX. I haven't been in the country to open these accounts. American express and XXXX XXXX XXXX haven't submitted signed agreements nor other information I requested from them. Account # XXXX - {$4600.00} Account # XXXX - {$6100.00} 5 ) XXXX XXXX sold charged off account to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX. I haven't been in the country to open these accounts. American express and XXXX XXXX   XXXX haven't submitted signed agreements nor other information I requested from them. {$3100.00} I have requested specific documents from all these individual companies and and they haven't provided me with accurate information. Information requested was, CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful These companies excluding XXXX XXXX XXXX  have responded with minimal information such as credit card statements and past due reports. These payment reports do not show any viable proof that these accounts were opened by me. I have never authorized anyone to use my personal information to open these accounts. 

None of the companies have provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.

Company response to consumer: Closed with explanation