Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
I am filing this complaint against American Express XXXX American Express Credit Bureau Unit ) for failure to comply with its obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) after receiving multiple valid disputes regarding inaccurate and unverifiable credit reporting. 
I submitted written disputes to American Express on XX/XX/year> and again on XX/XX/year>, disputing the accuracy and completeness of the American Express account being reported to the consumer reporting agencies. 
Both disputes were properly submitted and included complete and sufficient identifying documentation, including my full name and current address, the last four digits of my Social Security number, and supporting documentation adequate to enable American Express to conduct a reasonable investigation and verify the disputed information in accordance with the Fair Credit Reporting Act. 
There was no deficiency in identity verification or documentation provided with either dispute. 

American Expresss Deficient Response On XX/XX/year>, American Express responded by requesting that I provide my Social Security number again and a copy of my original correspondence, despite the fact that this information had already been disclosed in full with my prior disputes. 
This response fails to address the substance of the dispute and does not constitute a reasonable investigation as required by law. American Express did not : Identify what specific information was reviewed State whether the disputed data was verified, corrected, or deleted Identify the method of verification used Identify the source relied upon to validate the reporting Provide any results of an investigation Instead, American Express improperly attempted to delay or avoid its statutory obligations by requesting redundant information already in its possession. 
American Expresss conduct violates multiple provisions of the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation after receiving notice of a dispute 15 U.S.C. 1681s-2 ( a ) ( 1 ) Furnishing information that is inaccurate or can not be verified 15 U.S.C. 1681i ( a ) ( by extension through CRA disputes ) Failure to complete an investigation within the required timeframe Regulation V ( 12 CFR Part 1022 ) Failure to review all relevant information provided by the consumer A furnisher may not condition an investigation on resubmission of identifying information when identity has already been verified, nor may it ignore the substance of a dispute by issuing form letters that do not address accuracy or verification. 
Because American Express has failed to disclose : How the account was verified What records were reviewed Whether original account-level documentation exists Whether payment history, charge-off status, or balance reporting can be substantiated the information being furnished to the credit bureaus is unverifiable and therefore inaccurate as a matter of law. 
As a result of American Expresss failure to investigate and correct its reporting, I have suffered : Continued damage to my credit profile Impaired access to credit and financial opportunities Ongoing stress and frustration due to repeated noncompliance

Company response to consumer: Closed with explanation