Consumer complaint received 2025-12-14 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: FL

Complaint narrative:
I am submitting this complaint to report inaccurate credit reporting and failure to maintain maximum possible accuracy under the Fair Credit Reporting Act ( FCRA ), involving an American Express revolving credit card account reported differently across XXXX XXXX XXXX XXXX 

Account Information Creditor : American Express Account Type : Revolving Credit Card Status : Open Balance : XXXX XXXX XXXXonthly Payment : {$0.00} Disputed Account Description of the Problem My credit reports contain materially inconsistent and inaccurate information regarding the same account : XXXX reports a XXXX late payment XXXX  reports XXXX account as current with on-time payments XXXX reports the payment status as unknown No bureau reports a past-due balance The account is open and shows no delinquent amount It is factually impossible for the same account to be simultaneously late and current during the same reporting period. This inconsistency alone establishes a failure to follow reasonable procedures to assure maximum possible accuracy as required by law.

Legal Violations This reporting violates the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy of the information reported.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681s-2 ( b ) Upon notice of dispute, the furnisher must conduct a reasonable investigation and correct or delete inaccurate or unverifiable information.

15 U.S.C. 1681i ( a ) Credit reporting agencies must delete or modify information that can not be verified as accurate.

If a late payment had legitimately occurred, it would appear consistently across all consumer reporting agencies. The absence of any late payment on XXXX, coupled with a {$0.00} balance and no past-due amount, demonstrates that the late payment reported by XXXX  is unsubstantiated and inaccurate.

Harm Caused This inaccurate reporting has caused : Artificial score suppression Increased lending risk profile Potential denial or unfavorable terms for credit Ongoing reputational and financial harm Requested Resolution I am requesting that the CFPB require the furnisher and XXXX  to : 1. Immediately delete the inaccurate 30-day late payment 2. Correct the account to reflect an accurate and consistent payment history 3. Provide documentation showing : Proof of the alleged late payment Billing statements showing a past-due balance Payment due date and actual payment date XXXX. Cease reporting unverifiable or contradictory information If the furnisher can not provide competent evidence validating the late payment, it must be deleted pursuant to the FCRA. 

I certify that the information provided in this complaint is true and accurate to the best of my knowledge. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2025

Company response to consumer: Closed with explanation