Consumer complaint received 2021-01-22
Company: AMERICAN EXPRESS COMPANY
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The letters included, one specifically directed to American Express, the other is an edited copy of the one I sent recently to XXXX XXXX, XXXX and XXXX  which shows that the status of my accounts with American Express and XXXX XXXX, are not reported with precision and accuracy, damaging unfairly my new credit possibilities in the middle of this situation we all want and need to use our credit in the best ways possible. 

American Express sent me a few days ago, 2 offers for their XXXX XXXX, and their XXXX XXXX, XXXX XXXX offer was sent twice, 2 of the 3 cards and accounts I had with them, but, their own credit reports about my accounts with them, which do not include with precision that I paid my 3 accounts directly to them, and not to any collection agency at all, like banks do when customers pay no attention to their accounts, but that was never my case at all, are making my possibilities too low in order to risk a hard inquiry. 

I included several documents that describe all in detail, and the 2 letters. 

The reason for sending this through here, instead of directly to American Express, was that, number 1 here is much faster, and number 2, this is not precisely a general inquiry, which seems to be the only way to send this to American Express directly, as shown on their web site screen shot included. 

I was an American Express card member since the year XXXX, until the year XXXX. 

A problem at work during the year XXXX to XXXX affected my regular payments, but in spite of all my communications directly with American Express, by telephone, live chat, and several different faxes with evidence, and more than that, that because this 2 accounts are the oldest on my credit report, I gave them priority and paid them much faster than any other account : Because this accounts includes the oldest one, is not wise to close it, as American Express unfairly did : If I paid these accounts directly to American Express, not to a collection agency, then this accounts can't be reported as paid after collection, as if I never paid attention to this problem, because evidence shows, my faxes were not received, communications were ignored, no matter I ended paying the 3 accounts faster, and even paid the last one without need, with just one payment, no matter the regular monthly payment was enough that was much much lower, because it was a credit card, a regular credit card with XXXX XXXX, not a charge card. 

In this complaint I show to American Express that what XXXX XXXX reports about my 2 accounts is not true, something they will not see in a 30 seconds automatic credit evaluation, that precisely I will not request at all, because the evidence shows any bank will just see what the report says, not the evidence or how those things ended reported there, no matter I went to 3 different courts, the courts dismissed the fact the District Court of Puerto Rico Magistrate Judge wrote, on page 2, PDF document with large automatically generated number, " The court does not weigh the facts '', then how they ended with a conclusion taking the verifiable evidence aside? How is that allowed, and to a federal judge, while the other 2 higher federal courts do nothing either, in spite of their supervisory function?

Company response to consumer: Closed with explanation