Consumer complaint received 2023-03-18
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
AMEX claimed to have completed a reasonable investigation with the furnisher of information and verified these accounts as reporting 100 % accurately. However, the account is still inaccurate and AMEX is still continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. Recently, I received notice from XXXX that they had deleted this account that AMEX reported for inaccuracy. I am now requesting that AMEX do the same and delete the account. Delete the account AMEX XXXX for inaccuracy because the date last reported is XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX XXXX The Date last active reported is XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. The date of the last payment reported is XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. The account status is reported as paid on XXXX and derogatory on XXXX. Each XXXX has a different historical payment date. Delete this account for inaccuracy because XXXX bureaus report different information. AMEX has violated my rights numerous times. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1692 Section 806 Section ( 5 ) Causing a telephone to ring or engaging any person in a telephone conversation.

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 states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section which states no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1666 ( B ) states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S.C 6802 ( a ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice.

15 USC 1692 ( c ) ( a ) states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692 ( b ) ( 2 ) states Any debt collector communicating with any person other than the consumer shall not state that such consumer owes any debt.

15 U.S.C 6802 ( a ) ( b ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice.

Company response to consumer: Closed with explanation