Consumer complaint received 2024-09-27 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: UT

Complaint narrative:
AMEX 'S REPRESENTATIVE NAMED " B. SOCIA " & AMEX WILL BE HELD LIABLE FOR CRIMINAL CHARGES FOR REPORTING " INCOME '' UNDER MY NAME ON THE CREDIT REPORTING COMPANIES, XXXX, XXXX XXXX XXXX. THE ACCOUNT STATED BELOW IS A CHARGE OFF WHICH AMEX HAS LEGALLY CONFIRMED.

THE ACCOUNT STATED IN THE COMPLAINT IS A " CHARGE OFF ''. PER THE IRS '' A charge-off is considered income by the IRS : Taxable INCOME " INCOME DOES NOT GET REPORTED ON ANY CREDIT REPORT " " Income is not considered in credit scores because it is not included on credit reports '' " Income is not part of your credit report ''. Delete the account mentioned in the complaint and I'm seeking {$1000.00} p
er Violation. AMEX & THEIR REPRESENTATIVE B. SOCIA who replied in the last compaint is Responsible and will be held liable under : 15 U.S. Code 1611 - Criminal liability for willful and knowing violation U.S. Code Notes prev | next Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT. AMEX YOU FURNISHING INACCURATE INFORMATION TO THE CONSUMER REPORTING AGENCIES. The Reporting of this Account as a Debt is Inaccurate. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. The Reporting of this Account as a Debt is Inaccurate. THE LEGAL DEFINITION PER THE IRS DEFINES A CHARGE OFF AS INCOME. INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT. AMEX CONTINUES TO VIOLATE MY RIGHTS BY REPORTING GROSS INCOME AND ORDINARY INCOME ON THE CONSUMER REPORTING AGENCIES BREAKING THE LAW. THIS ACCOUNT IS A " CHARGED OFF '' THE LEGAL DEFINITION PER THE IRS DEFINES A CHARGE OFF AS INCOME. THE REPORTING OF THIS ACCOUNT AS A DEBT IS INACCURATE. THE IRS STATES CLEARLY THAT ANY GROSS INCOME OR ORDINARY INCOME CAN NOT BE REPORTED INTO A REPORT BY ANY FURNISHER OR CREDIT REPORTING AGENCY.A CHARGE OFF IS GROSS INCOME PER THE IRS. DELETE THESE ACCOUNTS MENTIONED IN THE COMPLAINT ASAP AND I'M REQUESTING {$1000.00} PER EACH VIOLATION. AMEX XXXX AMEX XXXX. AMEX Continues to Violate multiple laws from Congress 15 U.S. Code 1681a ( 2 ) ( a ) ( i ). CHARGED OFF is considered a certificate of indebtedness per the IRS and income can not be reported making The Reporting of this Account as a Debt is Inaccurate. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORTS BY LAW AND By Definition PER the IRS Clearly says a Cancelled debt or Charge off is Income. ADDITIONALLY THE LAW CLEARLY STATES Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report DOES NOT include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( AMEX, ) making the report. ADDITIONALLY I never received a 1099-C FROM for the cancelled debt. Amex is writing off debt with the IRS years Ago WITHOUT sending out 1099-C as required by the IRS for debts greater than {$600.00}. This is ILLEGAL. You were already put put on notice that you are reporting incorrect inaccurate information in the last complaint and will now be held Liable for Criminal Charges PER THE LAWS STATED ABOVE. DELETE THIS ACCOUNT. 
AMEX XXXX AMEX XXXX

Company response to consumer: Closed with explanation