Consumer complaint received 2019-12-23
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
It is a fact, that I am a civilian and consumer/natural person pursuant to 15 U.S. Code 1602 ( i ), CCPA/FRCA Section 603 ( c ) / Title 15 U.S. Code 1681a ( c ), 15 U.S. Code 1692a ( 3 ) and creditor defined in 15 U.S. Code 1602 ( g ) / 15 U.S. Code 1692a ( 4 ).

AMERICAN EXPRESS hereinafter referred to as XXXX XXXX is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and violated 15 U.S. Code 1692e ( 11 ) by failing to disclose in their initial written communication with the consumer that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. XXXX XXXX has violated several sections of the Consumer Credit Protection Act including but not limited to sections of the Truth In Lending Act, Fair Credit Reporting Act, and the Fair Debt Collection Practices Act which have been summarized in the attached Consumer Enforcement Agreement. 

XXXX  and XXXX  are consumer reporting agencies pursuant 15 U.S. Code 1681a ( f ) as well as 15 U.S. Code 1681a ( p ). XXXX  and XXXX  both violated several sections of the Consumer Credit Protection Act including but not limited to sections Fair Credit Reporting Act ( FCRA ) which have been summarized in the attached Affidavit of Truth and Consumer Enforcement Action. Pursuant to 15 U.S. Code 1681.Congressional findings and statement of purpose, ( a ) Accuracy and fairness of credit reporting - The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ; ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 



It is a fact, Express Debts is requesting the alleged debt be paid in Federal Reserve Notes even though payment is defined as minerals in the Securities and Exchange Act of 1934 which is codified in Title 15 of the United States Code Section 78m ( q ) ( 1 ) ( C ) ( i ) ( I ) which is the exact same form of payment or legal tender referred to in the United States Constitution at Article 1 Section 10 as gold and silver coin. 

XXXX  and XXXX  violated the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ), 604 ( c ) and 604 ( f ) at least 200 times and furnished American Express ( XXXX XXXX ) my consumer report without a permissible purpose and without my prior expressed written consent 164 times. XXXX XXXX  violated the Fair Credit Reporting Act ( FCRA ) Section 604 ( f ) 164 times also codified as 15 USC 1681b ( f ) when they obtained 164 consumer reports without permissible purposes and without prior written consent from the consumer ( see attached Experian report showing proof of American Express accessing my consumer report 164 times without my prior written consent ). XXXX XXXX violated the Fair Debt Collection Practices Act ( FDCPA ) Sections 805 ( b ), 805 ( c ), 806 ( 1 ), 806 ( 2 ), 807 ( 2 ) ( A ), 807 ( 2 ) ( B ), 807 ( 8 ), 807 ( 9 ), 807 ( 10 ), 807 ( 11 ), and several other sections of the FDCPA as well as other violations in the attached complaint I mailed to American Express which they have received via United States Postal Service Certified Mail and have failed to respond.

Company response to consumer: Closed with explanation