Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Complaint to CFPB Against American Express Subject : Complaint Regarding FCRA and Privacy Violations by American Express Account : American Express Partial Account Number : XXXX Summary of Complaint This complaint is regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and privacy laws by American Express in the handling and reporting of my account. These violations include inaccurate reporting, inconsistent account details, and unauthorized use of my legal name change ( XXXX XXXX XXXX XXXX, which constitutes a serious breach of privacy and raises significant concerns regarding identity theft. 

Details of the Violations Account Status Reporting American Express inaccurately reported this account as charged off in XX/XX/XXXX while also marking it as closed at the consumers request. 
This inconsistent reporting violates FCRA 1681e ( b ), which requires furnishers of information to ensure maximum possible accuracy in their reporting.

Retention of Negative Information American Express has caused this account to be scheduled to remain on my credit report until XX/XX/XXXX. This timeline may exceed the seven-year limit for reporting adverse information under FCRA 1681c ( a ) ( 4 ). 
Such reporting appears to constitute unlawful re-aging of the account, an intentional violation of FCRA guidelines. 
Incomplete Payment History The account 's payment history is incomplete, showing No Data for several months.

This violates FCRA 1681e ( b ) and demonstrates American Expresss failure to provide accurate and complete information to consumer reporting agencies.

Balance Reporting Discrepancies The reported high balance of {$11000.00} is inconsistent with other balances reported during the same period ( e.g., {$10000.00} between XXXX and XX/XX/XXXX ). 
This fluctuation indicates a failure to accurately verify and report balances as required by FCRA 1681s-2 ( b ).

Unauthorized Use of Personal Information American Express accessed and reported my legal name change ( XXXX XXXX XXXX ) despite me never providing this information to them. 
This unauthorized disclosure of my legal name constitutes a severe privacy violation under FCRA 1681b ( a ), which restricts permissible purposes for accessing and sharing consumer information.

Privacy Rights Violation American Express has failed to provide any explanation or documentation regarding how they obtained my legal name change information.

This breach violates federal privacy protections, including FCRA 1681c-2, which governs the handling of sensitive consumer information.

Failure to Verify Account Details American Express has failed to substantiate the accuracy of the high balance, fluctuating balances, and payment history associated with this account.

Under FCRA 1681s-2 ( b ), furnishers are obligated to conduct reasonable investigations into disputed information, yet American Express has failed to meet this standard. 
Fair Resolution Requested To resolve these issues, I request the following : Immediate Deletion of the Trade Line : American Express must delete this account from all consumer reporting agencies ( XXXX, XXXX, and XXXX ) to address the inaccurate reporting and unauthorized use of personal information. 
Acknowledgment of Errors and Privacy Breaches : American Express must provide a written acknowledgment of its violations of FCRA and privacy laws, including how my legal name change was accessed and improperly reported. 
Assurance of Compliance : American Express must demonstrate compliance with FCRA and privacy laws by providing evidence of updated procedures to ensure accuracy and protect consumer information moving forward. 
Compensation for Damages : I request statutory damages under the FCRA for the financial and emotional harm caused by these violations, including any costs associated with disputing and correcting these errors. 
Notification to Third Parties : American Express must notify any parties that accessed this erroneous information, ensuring they are aware of its removal and correcting any misinformation shared. 
Conclusion American Expresss failure to comply with FCRA guidelines and its improper use of my private information have caused significant harm. These actions demonstrate negligence, disregard for federal regulations, and potential identity theft. I urge the CFPB to take immediate action to investigate these violations and ensure American Express is held accountable. 

Thank you for addressing this matter promptly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation