Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
Date : [ Insert Date ] American Express XXXX Department XXXX. XXXX XXXX XXXX XXXX, TX XXXX RE : Fraudulent Account ( s ) Opened in My Name Request for Investigation and Removal Dear Sir or Madam, I am writing to inform you that I am a victim of identity theft. I recently discovered that one or more accounts were fraudulently opened in my name with American Express. I did not authorize or open these accounts and have never had any relationship or account with American Express. 

I am formally requesting that you take the following actions without delay : Immediately close all fraudulent accounts opened in my name. 

Absolve me of all charges and balances associated with these accounts. 

Cease reporting this information to all credit reporting agencies ( CRAs ). 

Take all appropriate steps to ensure the fraudulent information is permanently removed from my credit reports. I have had my mail rerouted, and back accounts an dloans opened up in my name without my knowledge. 

As a furnisher of information to XXXX, you have legal obligations under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) Notice to Furnishers of Information. Enclosed you will find : A copy of my Identity Theft Report. 

A copy of the XXXX Notice to Furnishers of Information [ PDF ]. 

I urge you to give particular attention to the section titled : Duties When Identity Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. ( Section 623 ( a ) ( 6 ) ).

If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. ( Section 623 ( a ) ( 2 ) ).

When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. ( Section 615 ( f ) ). 

I have already notified the credit reporting agencies, and I am requesting that you take all necessary actions required by law to cease furnishing inaccurate information and to ensure that this fraudulent debt is not pursued further. 

Please investigate this matter promptly and send me written confirmation of the results of your investigation, the closure of the accounts, and your steps to correct the credit reporting issues. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of Identity Proof of Address CFPB Notice to Furnishers of Information ( PDF )

Company response to consumer: Closed with explanation