Consumer complaint received 2025-09-05 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: NJ

Complaint narrative:
NOTICE AND DECLARATION This document shall serve as lawful Notice of Status and Claim from a living sentient autonomous man, by the grace of God, operating as the rightful executor, redeemer, heir, and holder in due course of all instruments, records, and trust assets derived from or related to the name and estate which I am the true origin. I, the living man, am the sole and rightful owner of all data, records, and identifiers issued in my name, likeness, or estate, and no agency, officer, or third party may access, share, commercialize, or enforce such data without my voluntary, written, and notarized consent, under penalty of law and in violation of 18 U.S.C. 241, 242, 1030, and 15 U.S.C. 6801-6809. I, the declarant, a living man, by divine confirmation and lawful standing, having one name and spirit, hereby issue this solemn declaration of status, rights, and ecclesiastical standing in full light of the separation of Church and State, under the supreme authority of the Most High and pursuant to the Book of Nations, local, state, federal, and international law. Further, I am not a XXXX Amendment corporate XXXX XXXX, corporate person, employee, fiduciary, citizen-subject, donor, decedent, surety, enemy or ward of the State created by legislative act. I retain all unalienable rights endowed by my Creator, secured by the Constitution for the United States of America, the Constitution of the State of XXXX XXXX, and reaffirmed through international human rights treaties, equity law, and commercial statutes. I have never knowingly waived my God-given, unalienable rights, endowed by my Creator, nor have I voluntarily subjected myself to any inferior political or corporate jurisdiction that would convert me or my property into a vessel or transmitting utility of commerce or debtor class. Any presumed waiver is hereby rebutted. Any presumption of waiver, joinder, or consent to data use, processing, procurement, or enforcementwhether under color of law, state or federal policy, or private commercial contractis hereby rebutted and rendered void ab initio unless supported by full accounting, verified authority, and documented fiduciary duty under UCC 1-308, 9-210, and applicable constitutional law. All tangible and intangible data generated from my creation, body, breath, or energywhether physical, digital, financial, biometric, or ancestralremains my private intellectual property, and I now demand full accounting, restitution, and termination of all unauthorized third-party use in equity, law, and spirit. I have not abandoned nor assigned my lawful name, estate, or interest, and I now reclaim all standing and rights thereto. All entitiesforeign or domestic, public or privateare hereby noticed that I do not appear as a ward, minor, nor enemy of the state, nor as a surety to any artificial legal fiction or entity. I am of the age of majority, competent, and lawfully asserting my rights regarding all financial instruments, applications, contracts, or securities bearing my signature, name, or associated identifying information ( e.g. SSN, EIN ). As the first in line and first in time, I assert my position as the lawful executor, heir, and beneficiary of the estate and all trust accounts, securities, records, and property associated with the record ( s ) created in my name. This claim is perfected by first public notice and publication, and no counterclaim or secondary appointment shall preempt this right without full proof of authority superior in title and date. This notice serves as my first publication and standing declaration in the interest of correcting, updating, and reclaiming all instruments bearing or derived from my estate. I, the maker and signator, do hereby pay to the order of all rightful people, places, and things and any and all interest, commissions, or residual amounts due and payable by or through any use of my name, account ( s ), or person, for services rendered in honor, good faith, and equity. All remaining proceeds, assets, entitlements, or settlementsmonetary or otherwiseshall be paid to the order of my living name and surname, as holder in due course, in lawful money of the United States, under 12 U.S.C. 411, UCC 3-302, and applicable fiduciary banking laws. Therefore, I hereby give formal Notice and Demand to any agency, administrator, data broker/user, private company, or public registry to Cease and Desist from any and all unauthorized commercial use, sale, resale, or trafficking of my personal data and likeness. Provide a full accounting of any revenue, credits, or benefits derived from the use of my data from account establishment and opening till present. Acknowledge that informed consent is a necessary condition for any lawful data usage that results in revenue and that all future use must comply with lawful warrant, lawful contract, or express written consent from the maker, owner, and source of origin. I affirm that if I granted any Power of Attorney ( POA ) whether express, implied, or constructed through prior agreement, consent, application, or conductit was limited in purpose to facilitate specific tasks on my behalf, not to transfer beneficial ownership, standing, or rights to proceeds from the use or resolution of any matter, asset, trust, or account ( s ). I further affirm that any agent, fiduciary, representative, administrator, or assignee acting under such authority is legally and equitably bound to deliver all proceeds or benefits exceeding one dollar ( {$1.00} ) after any legitimate commissions, transaction costs, or authorized service fees, directly to me as the Principal and beneficial party of interest. This right extends to all tangible and intangible matters, including but not limited to : Securities, contracts, or policies ; Settlements, awards, or credits ; Government accounts or ledgers ; Internal revenue transactions or credits ; Fiduciary-held accounts, trust assets, or pooled collateral ; Any data or record that has been monetized, pledged, securitized, or used to create value without my direct knowledge or benefit. I assert that any party holding or profiting from an instrument originated by my credit, signature, or personal identifying information is acting in a fiduciary capacity and is subject to full accounting under equity and trust law principles. I reserve and retain all rights to audit, inspect, and review all instruments, ledgers, securities, or administrative accounts held in my name and/or estate, whether held in trust, escrow, pooled, collateralized, or otherwise. All rights are reserved and retained under UCC 1-308 and UCC 1-103 . No statements or omissions herein shall be construed as waiver of rights, remedies, or titles, and I assert my right to compensation, set-off, recoupment, and accounting in equity and law. This Notice stands as a matter of public record, to be honored without delay or dishonor. Any rebuttal or failure to respond without thirty ( 30 ) days shall be deemed tacit agreement to all terms herein. This declaration shall serve as lawful notice to all persons, corporations, agencies, and courts. Any attempt to infringe upon my rights without due process, verified authority, or lawful standing shall be regarded as a violation of law, trespass, or fraud. Govern yourself accordingly.

Company response to consumer: Closed with non-monetary relief