Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (MO)

To Whom It May Concern : I am submitting a complaint regarding American Express and their continued inaccurate reporting of my account, which has negatively affected my credit report with XXXX, XXXX, and XXXX. The inconsistent handling of this account by American Express, combined with their ongoing computer errors, has led to considerable confusion and financial harm. I request your assistance in ensuring that this inaccurate information is removed from all three credit bureaus as soon as possible. 

Account Details : Issuer : American Express Account Open Date : XX/XX/XXXX Reported Balance : {$670.00} Delinquency Reported : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Account Status : Closed Issue Summary : XXXX. Fraudulent Charges Dispute : In XX/XX/XXXX, I reported to American Express that there were charges on this account that were not mine. American Express initially investigated and removed these fraudulent charges from my account. 


XXXX. Reintroduction of Fraudulent Charges : However, in XX/XX/XXXX, American Express informed me that due to a computer error, the previously removed charges were re-added to my account. This error reintroduced charges that had already been identified as fraudulent, leading to further financial impact on my account and credit. 


XXXX. Confusing Communication from American Express : On XX/XX/XXXX, American Express sent me a letter acknowledging a computer error and stated they would fix the issue with my account points. However, this response did not clarify or resolve the fraudulent charges issue. Subsequently, they stated that the computer error would not actually fix anything related to the charges or my account status, which has left me completely unclear on their intentions. 


4. Incorrect Reporting to Credit Bureaus : As a result of these errors, my account continues to be reported as delinquent as of XX/XX/XXXX, despite being closed and initially charged off on XX/XX/XXXX. This inaccurate information appears on my reports with XXXX, XXXX, and XXXX, further damaging my credit profile. 



Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim and requesting validation.

Resolution Requested : Immediate removal of the inaccurate information regarding this American Express account from all three credit bureaus.

Assurance that the balance of {$670.00} and any delinquency status related to this account be corrected to reflect the correct history and closure date of XX/XX/XXXX. 

Clarification and correction from American Express regarding their computer error and reintroduction of fraudulent charges, as well as their acknowledgment of the errors they have made in handling my account. 


This issue has caused me significant financial and personal stress, and I am urgently seeking assistance to ensure that my credit report is accurate. I appreciate the CFPBs help in bringing this matter to a fair and swift resolution. 

Thank you for your attention to this complaint. 

Sincerely,