Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I am submitting this complaint due to the continued noncompliance of Amex regarding their legal obligations under the Fair Debt Collection Practices Act ( FDCPA ) and the Gramm-Leach-Bliley Act ( GLBA ). Despite previous complaints and clear evidence of violations, they have failed to correct their actions or comply with federal laws. 
# # # FDCPA 1692g ( a ) Violation : I filed a dispute regarding the creditors failure to provide a written debt validation notice as required by FDCPA 1692g ( a ). This section mandates that within five days of the initial communication regarding a debt, the debt collector must provide a validation notice. 

The creditors response continues to rely on the Credit Monitoring Agreement ( CMA ) rather than addressing their failure to send the required validation notice. The CMA is not relevant to the requirements set forth under the FDCPA, and their continued noncompliance constitutes an ongoing violation of federal law.

# # # Continued Contact Despite No Contact Request : After I submitted a no-contact request under FDCPA 1692c ( c ), Amex contacted me again on XX/XX/year>. This communication occurred despite my clear instructions to cease further contact. The FDCPA explicitly prohibits debt collectors from continuing to contact consumers once a written request for no contact has been made. Amexs ongoing failure to respect my request is another violation of this provision. 

# # # Gramm-Leach-Bliley Act ( GLBA ) Violation : Furthermore, you have referenced the CMA in your response XXXX yet you have failed to address the violation of 15 U.S.C. 6802 ( b ) ( 1 ) of the Gramm-Leach-Bliley Act ( GLBA ). The CMA fails to notify me of my right to opt out of sharing my non-public personal information, as required by law. Under the GLBA, financial institutions must provide consumers with a privacy notice and the opportunity to opt out of the sharing of their personal information with non-affiliated third parties. Your failure to include this provision in the CMA is a violation of federal law. 

Amex role in the Noncompliance : Despite my previous complaints and attempts to address these issues through formal channels, This company has continued to oversee and facilitate the creditors noncompliant behavior. Her failure to ensure that [ Creditors Name ] complies with the FDCPA and GLBA is troubling, and her involvement in this ongoing noncompliance needs to be investigated. 

# # # Conclusion and Demand for Resolution : I request that the CFPB investigate this ongoing noncompliance by Amex! and take appropriate action to ensure that : 1.They comply with FDCPA 1692g ( a ) by providing the required debt validation notice, 2.They cease further communications as required by FDCPA 1692c ( c ), 3.They comply with the Gramm-Leach-Bliley Act by providing proper notice of my right to opt out of sharing my non-public personal information and allow me to exercise that right. 
Failure to address these concerns properly will leave me with no choice but to pursue further legal action to protect my rights. 
XXXX XXXX

Company response to consumer: Closed with explanation