Consumer complaint received 2020-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (AZ)

From XXXX I was in multiple Medical Boards ( MED BOARDS ) while in the US XXXX on XXXX XXXX. 

Regrettably, my command decided NOT to pay perdiem or allow a Medical Permanent Change of Station ( Medical PCS ) while traveling from XXXX XXXX, MD to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) once a week for treatmemt. It was an 80 mile trip one-way and a hotel stay each week. It took a horrible toll on my finances. A Medical PCS would have allowed me to move to the XXXX, MD area to be co-located with XXXX for Treatmemt and would have been much less stressful financially and personally. 

During the MED Boards and subsequent forced retirement, both of my parents died of XXXX. My mother didnt have the finances to prepare for burial or taxes on her condo so, I had to pay for that in addition to my medical care. 

Because of all of these financial burdens, I choose to hire XXXX XXXX to help arrange payment of my debts in XXXX. They arranged for all payments and negotiations of debts successfully. 

Unfortunately, American Express is one of the many debts that is nagging me ; I currently receive a CHARGE OFF every month although the debt was originally charged off in XXXX! Therefore, every month my credit score takes as much as a 12 point plummet! 

Ive disputed the issue a few times only to find that the amount owed inexplicably changed! Im truly at a loss and do not understand why this continues to happen. 

I am a XXXX  % XXXX Veteran with XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX, in addition to a litany of other ailments. 

I need a place of solitude and quiet to live yet, am being prevented from buying a home due to some glitches with my credit report that make no sense. 

I am currently forced to live in an apartment that charges for credit checks and background checks yet, does not actually do them. Police are there monthly and XXXX  and XXXX  XXXX  are my neighbors! The landlord is a slumlord yet, I cant get a lawyer to take my case to even get air conditioning installed or screens placed into the windows ... which is illegal here in Arizona! 

To make matters worse, Im stuck in a hotel right now because my apartment flooded on XXXX XXXX ; the day before the anniversary of my fathers passing. Ill still be here on the anniversary of my mothers passing on XXXX XXXX ; the flood was THAT bad! The management is NOT paying for the stay either : thankfully I have renters insurance. 

Other, more legitimate apartments, are about as thrilled with my credit score as  lenders! 

The above is why I am desperately trying to work on my credit now. My credit score has come a long way since my parents and grandmothers passing within the past 7 years, my forced retirement, and divorce from an XXXX  XXXX   husband. 

I have another back XXXX scheduled XXXX XXXX and would like nothing more than to know that my life is TRULY getting back on track. It would be even more beneficial if, while my furniture is in storage due to flood repairs, I could purchase a home prior to XXXX ( or I could qualify for a different apartment ) would be quite beneficial! 

Your help will be greatly appreciated! Any further documentation you may need from my doctors or the courts can be provided upon request ; I just dont want to overload you. 

VR, XXXX