Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX XXXX XXXX Notice to Agent is notice to Principal Notice to Principal is notice to Agent Email : XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Subject : Formal Complaint and Cease and Desist Order and Request for Against American Express XXXX Account No. XXXX ), XXXX, XXXX, and XXXX Dear Consumer Financial Protection Bureau : Please be advised this notice is to file a formal complaint against American Express who continues to violate my rights as a consumer by not adhering to federal laws and regulations. I am also including XXXX, XXXX, and XXXX for their role in reporting this unauthorized inaccurate information. 

These are laws and regulations that are non-negotiable yet it seems that these agencies and company have the position that it is acceptable to violate these laws and regulations and dismiss them due to their own interpretation of the laws and regulations. According to the Fair Credit Reporting Act, 15 USC 1681 of the accuracy of reporting ( 4 ) There is a need to ensure 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. American Express shared my nonpublic information without my written consent, per 15 USC 1681 ( c ) under exclusions - reporting transaction history is illegal. Period. In addition to these violations, American Express has breached its own terms and conditions by sharing my information with non-affiliates without my explicit consent. This action disregards my right to privacy as a federally protected consumer under the Privacy Act of 1974. 

Furthermore according to 15 USC 1681 ( b ) states a consumer is to provide written consent for any reporting and that did not occur. For further reference, P.L 90-321 ( 82 Stat. 146 ) which is a law that further supports 15 USC 1681 ( b ) and elaborates any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ). American Express or any of the reporting agencies ; XXXX, XXXX or XXXX are State or local agency. 

Additionally, you are reporting my nonpublic information without my consent. As stated in 12 CFR 1022.3, you have reported information without my written consent and can also be considered identity theft and will be making a report, if this matter is not rectified IMMEDIATELY. The injury you are causing to my life and inability to enjoy my bundle of rights has an expounding effect not only on myself but my family and my mental well-being. 

Lastly, the aforementioned has lead to this abuse and the characteristics of which constitute Labor Bondage Act : The Right to Fair Employment Practices : Workers, as consumers of employment opportunities, should not be subjected to illegal debts or coerced labor conditions. Employers and recruiters who impose such debts or hidden fees exploit the most vulnerable workers, depriving them of their right to fair employment and freedom from coercion. 
The Right to Protection from Unlawful Financial Practices : Consumer protection laws were designed to prevent unfair financial practices, including the imposition of unjust or hidden debts. Debt bondage exploits a financial relationship for coercive purposes, which directly contradicts these laws. 
Freedom from Human Trafficking : Debt bondage is a form of human trafficking, where individuals are held in service through the manipulation of debt. Human trafficking, in any form, is illegal under U.S. law, and debt bondage is an exploitative practice that violates the fundamental human rights of individuals. 
Please be advised that American Express, credit reporting agencies such as XXXX, XXXX, and XXXX are not only in violation of federal regulations but also practicing exploitative practices and I will not continue to stand victim to this. This is a demand to rectify your wrong-doing. Should you choose to continue with said violations, I will pursue this until you are held accountable for violating consumer protection laws and human rights standards and escalated to all appropriate parties including the SEC and IRS to further investigate the alleged debt. 

In honor, XXXX XXXX XXXX