Consumer complaint received 2020-11-26
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: Problem with personal statement of dispute

Complaint:
Dear CFPB I'm writing to you regarding about a complaint I made about American Express to XXXX. In transunion response, they stated that recived three complaints regarding American Express from me in XXXX and XXXX. I checked in the archives of XXXX  membership and saw in XXXX, XXXX, XXXX XXXX  had a wrong address for me and the mails were returned. Please see a copy of two my XXXX reports, showing a wrong address. I received no responses from XXXX. 

The address listed is XXXX XXXX XXXX XXXX XXXX Ny. I never lived there. In XXXX record they would see, all of their mail was returned to them. I never got a single response to any of my complaints. Not one. 

In their response, they said the data furnisher verified my name and social security number being accuratetely reported. My complaint was never about my name or social security number, My complaint was inaccurate reporting of a debt by American Express. My complaint was about never getting my staements from American Express, My complaint was American Express having the wrong address on the account for me. 
American Express was aware that the address was wrong, they made a note in my account that the mail was returned, that all mailed was returned to them. 

American Express in their notes XX/XX/XXXX on my account its noted. mail returned, XX/XX/XXXX, noted mail was returned, XX/XX/XXXX noted mail was returned. American Express is aware by their own notes, I never recived a single statement. I paid my bill by calling in to find out my balance and pay over the phone. In XX/XX/XXXX when I called American Express to find out my bill it was high with charges that was not mind.I paid {$50.00} so I would not be late, and to get time to go over my statements. 

The last payment I made was {$50.00} to allow them time to send me my statements so I can go over my account to make sure all the charges were mine, They never sent it to me. How can I pay a bill without seeing it. 

XXXX claimed in their response that theyrecived my three complaints, They never added a statement that I disputed the charges, XXXX  and XXXX  added that the customer made a dispute. They never did. After reading their response I was even more mad. When I called in recently to speak about this, I was sent to another department, they called it a speacil dept. I spoke to a woman who told me because the date furnisher verify my name and socail security number the debt is mine. I asked her what about my rights under fair credit reporting. She said all they need is your name and socail secutity number to validate a debt. I told her that was not corrrect American Express listed a different amount of debt, they never sent me my statement, they never validated the debt. They sent the debt to two collection agencies, They never validated the debt. In an email to me, American Express said they are unable to send me bill because again they have a wrong address for me. Please see attachment. In a letter to me on XX/XX/XXXX American Express sent a letter telling me that in my request for debt validation they are sending me my statements after 6 years and that serves as a debt validation. The stautue of limitation is gone. This is not how you validate a debt. 6 years later and you are now sending me my statements. This is crazy. They sent me a copy of a letter they sent in XXXX, with the wrong address. The letter talks about my card member agreement, nothing about my statements or my complaint In American Express response to my CFPB complaint, they write that XX/XX/XXXX the account was charged off. They talked about the period when my account was handled by XXXX and XXXX they claim they verified that no inquiry was made on the debts.I spoke to XXXX, I wrote to them, I spoke to them on the phone, they told me they no longer had the debt, I called American Express and they gave me XXXX phone number, they told me they had the debt and American Express took it back. 

At no point American Express mentioned to you that they had a wrong address for me. At no point American Express mentioned that every mail they sent me was returned to them, At no point did American Express mention to you that I have been trying to resolved this injustice, At no point under fair credit reporting did you find anything wrong with my claim, Instead you sent me a XXXX response that the debt was validated by a furnisher having my name and social security number. You are insane. No one validate a debt that way. I'm going to fight to the end. 

This is an injustice and I will sue you for allowing this to stay on my record and contuining to tell me that it was validated debt..

Company response to consumer: Closed with explanation