Consumer complaint received 2022-02-15
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
AMERICAN EXPRESS FAILED TO PROVIDE ME AN WRITTEN NOTICE WITHIN 5 BUSINESS DAYS BEFORE REPORTING THIS NEGATIVE INFORMATION ON MY CONSUMER REPORT. THE BASIS FOR MY DISPUTE IS AMERICAN EXPRESS WAS REQUIRED TO NOTIFY ME PRIOR TO, OR NO LATER THAN 30 DAYS AFTER FURNISHING THE NEGATIVE INFORMATION TO THE CONSUMER REPORTING AGENCIES IN WRITING .... Fair Credit Reporting Act Section 623, subsection ( 8 ) ( D ) FCRA, subsection ( 7 ) ( A ) AMERICAN EXPRESS IS IN FAILURE TO COMPLIANCE TO THESE LAWS, RULES AND REGULATIONS THEREFORE I AM NOT ASKING BUT DEMANDING AMERICAN EXPRESS TO DELETE THIS NEGATIVE INFORMATION THAT HAS BEEN FURNISHED ON MY CONSUMER REPORT IMMEDIATELY. AMERICAN EXPRESS ALSO DENIED AND FAILED TO PROVIDE ME THERE FINANCIAL RELIEF PROGAM WHEN I WAS AFFECTED FINANCIALLY BY COVID-19 outbreak.The CARES Act WAS PASSED ON XX/XX/XXXX to help the American people with the economic impacts of COVID-19 XX/XX/XXXX I WAS DENIED ON A LIVE RECORED PHONE CALL WITHOUT EXPLANATION. I WAS ELIGIBLE FOR THE PROGRAM BUT STILL DENIED WITH NO EXPLANATION LATER ON BEING ACCEPTED THEREFORE I WAS NEVER LATE AS I ATTEMPTED TO SEEK HELP UNDER THE CARES ACT TO HELP THE AMERICAN PEOPLE WITH ECONOMIC IMPACTS OF COVID 19. This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with the above mentioned account. The basis for my dispute is your company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing ... that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement. Therefore, provide me proof of notification ( i.e. a copy of the actual notification sent ), and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ). If you can not provide proof of notification and date of receipt, then you can not substantiate you followed the procedures required under the Fair Credit Reporting Act. In addition, by not being able to substantiate you performed your duties imposed under that title, you are now in direct violation of it. Therefore, the continued reporting of negative information to the credit reporting agencies in connection with the above mentioned account may constitute the furnishing of false information with malice or willful intent to injure me. To correct this error I suggest you modify the account accordingly, report the results of your investigation to the consumer reporting agencies to which you furnished the information, and provide me written verification thereof.

Company response to consumer: Closed with explanation