On XX/XX/2021 I was alerted via email by American Express that my credit limit on my AMEX Hilton card had been reduced from {$25000.00} to {$8000.00} which was just above my balance. I was shocked to read the secure message from American Express stating that the adverse action was due to my FICO score being XXXX. I do not have anything negative on my credit reports. I immediately pulled my FICO scores from both XXXX  as well as XXXX. These are true FICO scores. My XXXX  fico score is XXXX. I have attached proof of this to this complaint. I contacted XXXX  and spoke with a supervisor and she also confirmed that there was nothing negative on my credit report. She also stated that XXXX  did not do a soft account review inquiry on XXXX XXXX which is the date American Express states they performed the review that resulted in the credit limit decrease. There is nothing to dispute with XXXX, as the report is 100 percent accurate, including personal information, social security number and address. 

I spoke with multiple reps at American Express and was told that if I paid {$1800.00}, they would restore my Hitlon Amex limit of {$25000.00}. I have no problem with this, however it does not address the issue of American Express stating my credit score is XXXX. 

On XX/XX/XXXX, I used my American Express XXXX XXXX card and immediately received an email from AMEX stating that they had reduced this card from {$35000.00} to {$1000.00}. Of course, the same letter was attached via secure message as with Hilton, referring to the severely inaccurate XXXX FICO score. 
I called a CSR and was told to submit my FICO score via fax and they would consider reinstating my credit limit. 

My concern goes way beyond just restoring my credit limits. I want to know why and how American Express got the false information that my credit score is so low when it is not. The only thing I can think of is that I am an additional cardholder ( authorized user ) on a family member 's AMEX card that has the same last name as mine. I have been an additional card holder for close to 20 years without an issue. This family member is in good standing with AMEX but does have credit issues. They have stated that on THEIR Amex account page, their FICO shows as XXXX. I do not believe this is a coincidence. 
It is my belief that their FICO score was updated to my individual American Express account during an account review of their account. It really is the only explanation. 

I have a job where I have to maintain a good credit score. I take clients to business meeting dinners and would be humiliated to have my credit card declined due to false credit information. I am also preparing to refinance my mortgage. I have been stressed beyond belief and appreciate your help with this. I would like to use my American Express card with confidence again.