Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Improper Reliance on Repeat Complaint Designation, Failure to Investigate New Disputes, and Ongoing FCRA Violations Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Company : American Express National Bank Product : Credit Card Issue : Credit reporting / Dispute handling / Failure to investigate SUMMARY OF COMPLAINT I am filing this complaint against American Express National Bank regarding its continued inaccurate credit reporting and refusal to meaningfully investigate disputed information, based on the incorrect assertion that it is not obligated to respond to future complaints because a prior CFPB complaint was flagged as repeat. American Expresss position is legally incorrect and does not relieve it of its ongoing duties under the Fair Credit Reporting Act ( FCRA ). Each dispute and reinvestigation request concerns new reporting cycles and continued publication of allegedly inaccurate information, which constitutes new violations each month the information is furnished. In addition, American Express has attempted to rely on previous account statements and generic account summaries as purported verification. These materials do not constitute a Method of Verification and do not satisfy the requirements of either a reasonable investigation or FCRA 611 ( a ) ( 7 ) disclosures. BACKGROUND AND CONTEXT I previously disputed inaccurate information reported by American Express through both credit reporting agencies and the CFPB. When I filed a subsequent CFPB complaint addressing continued inaccurate reporting, the Bureau flagged it as a repeat complaint, and American Express responded by asserting it was not obligated to respond further. Despite this assertion, American Express has continued furnishing the same disputed information to credit reporting agencies after receiving notice of dispute, creating a new and ongoing duty to investigate and ensure accuracy. A prior CFPB repeat designation does not extinguish a furnishers obligations under federal law. AMERICAN EXPRESSS LEGAL OBLIGATIONS ( ONGOING ) 1. Each Furnishing Cycle Creates a New Duty FCRA 623 ( a ) ( 1 ), 623 ( b ) Every time American Express furnishes information to a credit bureau, it must ensure the information is accurate and complete. Continued furnishing of disputed data constitutes new reporting events, not a closed issue. A repeat complaint designation by CFPB does not convert ongoing furnishing into a onetime event. 2. Duty to Investigate After Notice of Dispute FCRA 623 ( b ) ( 1 ) After receiving notice of a disputewhether through a credit reporting agency or regulatory complaintAmerican Express must : Conduct a reasonable investigation Review all relevant information Correct or delete information that can not be verified American Express has failed to demonstrate that it conducted a new or meaningful investigation following continued reporting. 3. Improper Refusal to Address New Issues FCRA 611 ( a ) ( 1 ) ( by extension ) Although CFPB procedural rules allow complaints to be flagged as repeat, that classification does not permit a furnisher to ignore new factual disputes or newly reported harm. American Express has treated the CFPB designation as a justification to avoid substantive review, which undermines consumer protections guaranteed by federal law. ACCOUNT AT ISSUE Account Name : American Express National Bank Account Type : Credit Card Account Number ( partial ) : [ Insert last 4 digits as shown on report ] Disputed Issues Include ( not exhaustive ) : Continued reporting of inaccurate status and/or balances Failure to correct disputed payment history Failure to document a reasonable investigation Continued furnishing after dispute notice HOW AMERICAN EXPRESS VIOLATED THE FCRA Failed to conduct a reasonable investigation after continued reporting Relied on CFPB procedural classification instead of legal standards Continued furnishing disputed information without verification Refused to engage in goodfaith dispute resolution A prior CFPB complaint does not immunize a furnisher from future compliance obligations when inaccurate information is still being reported. ONGOING HARM American Expresss actions have resulted in : Persistent negative credit reporting Artificial suppression of my credit score Reduced access to credit and increased borrowing costs Continued financial harm despite lawful disputes This harm is ongoing and current. REQUESTED RESOLUTION I respectfully request that the CFPB require American Express to : Conduct a new, reasonable investigation into the disputed reporting ; Correct or delete any information that can not be verified with documentation ; Cease asserting that prior CFPB complaints eliminate future legal obligations ; and Confirm compliance with FCRA 623 ( a ) and 623 ( b ) going forward. If American Express can not substantiate the continued reporting with appropriate records, the disputed information must be removed.

Company response to consumer: Closed with explanation