Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (GA)

BACKGROUND This Fair Credit Reporting Act ( FCRA ) Claimant dispute arises out of XXXX, a credit-reporting agency ( CRA ) disclose factual inaccuracies about AMEX account ending in XXXX  and XXXX ending in XXXX Consumerdisputes the factual accuracy of the trade lines item on his credit report ; XXXX  is obligated to sendAMEX and XXXX the creditors an Automatic Consumer Dispute Verification ( ACDV ) which identifies the basis of the dispute andthe creditor must verify the information reported by the consumer. 

Consumer asserts XXXX  and AMEX are bald face liars. XXXX never conducted an unbiased fact- finding investigation into factual inaccuracies about the account ending in XXXX and XXXX ending in XXXX. Experian purpose or motivation for not sendingAMEX the creditor an Automatic Consumer Dispute Verification ( ACDV ) phobia of disclosure that " XXXX  and AMEX '' sent data breach notices to the consumer that supports and substantiates both entities are culpable for actual damages. The above described reasons were the substantial or motivational factors for failure to conduct an unbiased investigation or reinvestigation. 

XXXX  failure to show consumerin writing actual date ACDV was sent during XXXX XXXX. Current to date XXXX  failure to produce one scintilla of evidenceAMEX and XXXX  completedor went unresponsive warrants immediate removal. Consumer having the obligation to request that XXXX  updated my credit report reflecting thedisputedinformation. Pursuant to15 U.S.C. 1681i ( a ) ( 6 ) ( b ) ( v ) creates or established a legal obligation as part of [ CRA ] to ensure the preparation of accurate reports or take the reasonable procedures to ensure consumer 's received the maximum accuracy of his/her credit reporting prior to publication 1681is ( " reinvestigation requirement. ). 

Consumer invoke 1681i 1681i ( a ) ] XXXX  reported the AMEX and XXXX account is inaccurate to date. Consumer filed written dispute that AMEX and XXXX  account on his credit report contains a factual deficiency or error that portrays a inaccurate representation of him upon entry. ). Therefore XXXX  isobligated to conduct an reinvestigationlike the other major credit reporting agencies, XXXX  and XXXX  through ( " ACDV '' ) approach is upheld as a matter of law by the courts. Consumer invoke that XXXX  and XXXX  relied on ACDV approached which proventhat AMEX and XXXX accounts were fraudulent. 

XXXX  not contending in writing solely relied on the reported incorrect information of creditors XXXX and AMEX. Consumer sufficiently plead that CRA knowingly or recklessly failed to follow reasonable procedures ; that violated 15 U.S.C. 1681e ( b ) and 1681i ( a ) by failing to provide the accuracy in consumer credit report and failing to conduct a reasonable investigation that warrants removal of the inaccurate information from his credit file. 


FACTS XXXX  was sent previously a Debt Validation Letter through certified letter, placing AMEX and XXXX  on formal notice in XX/XX/XXXX. AMEX and XXXX  unresponsiveness is to the Debt Validation Letter shall be acceptance ; I am not legally obligated for the unauthorized charges to datepursuant to 15 U.S.C. 1692 ( g ) Sec.809 ( b ) of FDCPA . ( see attachment ( A ) ) In XX/XX/XXXX AMEX made a publication admonition did misuse my personal data and similarly situated consumers. Credit card issuer sent data breach notices to all consumers there ( PII ) personal identifiable information was compromised ( " wrongfully accessed '' ) due to there data breach and shall not be held liable for any fraudulent charges to date. ( see attachment ( B ) ) AMEX sent me written notification in XX/XX/XXXX, my ( PII ) personal identifiable information was compromised by XXXX  data breach/cyber security attacks. Furthermore on XX/XX/XXXX XXXX  General Counsel sent consumer via email admonition of liability of the identity theft/fraud. ( see attachment ( C ) ) ( " CRA '' ) Consumer Reporting Agency actions ; arbitrary and capricious decisions illustrate ( " negligence and willful failure '' ) by not applying or enforcing uniformly and fairly 15 U.S.C 1681e ( b ) .XXXX  required by law must provide all consumers similarly situated ( " Mr. XXXX '' ) the maximum accuracy in credit reporting through ( " real time data '' ). 
XXXX  can not invoke ignorance of the law as defense or in there defense that violated 15 U.S.C 1681e ( b ) in violation of Section 13 ( b ) of ( " FTC Act '' ) ; 15 U.S.C 53 ( b ) Standards for Safeguarding Customer Information ( " Safeguard Rules '' ) ; 16 C.F.R. Part 314 ; Sections 501-504 of the Gramm-Leach Bliley Act ( " GLB Act '' ) 15 U.S.C. 6801-6804 ; 15 U.S.C. 45 ( a ).