Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Rebuttal to American Express Response : Evidence Manipulation, Contract Breach, and Consumer Law Violations Rebuttal Statement : American Expresss response letter dated XX/XX/year> ( CFPB Ref Nos : XXXX & XXXX ) is inaccurate, misleading, and fails to address the substance of my complaint. I am submitting this rebuttal because their actions and justifications amount to evidence manipulation, breach of contract, and violations of federal consumer protection laws. 

1. Separation of Business vs. Personal Accounts The XXXX XXXX XXXX ( ending XXXX ) is a business account and should not be intermingled with my personal credit cards ( ending XXXX and XXXX ). My personal credit score should not be tied to a business card account, especially since I pay separate servicing and management fees. This intermingling is improper and unlawful. 

2. False Claim of Account Review : American Express claims they carefully reviewed my account history and credit profile before reducing my limits. This is false. The limit decrease occurred immediately after I made an online purchase in the middle of the night. That timing shows no meaningful review occurred. It was a punitive, automated action triggered by usage, not a genuine creditworthiness review. 

3. Inconsistent and Contradictory Explanations : Each representative, including the executive office, gave me different reasons why my personal credit card limits were decreased : A. High revolving balance false, since I clear balances regularly.

B. Low credit score false, my score has remained stable, and Amex could not provide a copy of the credit report they claimed to rely on, as at the date they reduced my credit limit. 
C. Account review contradicted by the timing of the reduction. These shifting explanations demonstrate bad faith and deliberate misrepresentation.

4. Breach of Contract and Bad Faith I pay more than {$1000.00} annually in fees for these cards, based on the credit limits and benefits originally agreed upon. By unilaterally changing those limits after I have paid, American Express has breached the agreement and deprived me of the benefit of my bargain. This is also a breach of the implied covenant of good faith and fair dealing. 

5. Violations of Consumer Law : A. Fair Credit Reporting Act ( FCRA ) : American Express is reporting adverse account information without a valid basis, harming my credit score directly.

B. Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq. : American Express has discriminated by arbitrarily linking business account with my personal profile and identity, and manipulating facts in a way that restricts my access to credit without justification. ECOA prohibits adverse action taken without a legitimate, nondiscriminatory reason. 
C. Consumer Credit Protection Act : By altering the terms unilaterally and misrepresenting reasons for adverse action, American Express has deprived me of protections guaranteed under federal law. 

6. Evidence Tampering and Manipulation : American Express has failed to provide any proof of a change in my creditworthiness to justify the adverse action they took on my credit-line in XX/XX/scrub>XXXX XXXX Instead, they rely on after-the-fact letters and fabricated reasoning. This is effectively tampering with the facts and evidence, and constitutes a deceptive practice under federal consumer law.

Company response to consumer: Closed with explanation