Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Dear American Express, I am writing to formally dispute the reporting of the account ending in XXXX, as reflected on my consumer credit report. The inaccuracies and inconsistencies in your reporting, combined with potential violations of the Fair Credit Reporting Act ( FCRA ), require immediate attention and resolution. This is a demand for specific documentation and corrections to address the issues outlined below : 1. Proof of Compliance with FCRA Notice Requirements ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) ) : You are required to provide proof that written notice was sent to me before reporting the first late payment on this account to any credit reporting agency. 
This proof must include the exact notice that was sent, the date it was sent, and evidence of delivery to my address.

Per the FCRA, such notice must be provided no later than 30 days after furnishing negative information. Failing to provide this constitutes a clear violation of your obligations as a data furnisher.

2. Request for the Original Date of Delinquency ( 15 U.S.C. 1681c ( a ) ( 4 ) ) : To ensure compliance with the FCRA, provide the original date of delinquency for this account.

The inconsistent payment history reported by you raises significant concerns about the accuracy of the information furnished to credit reporting agencies. As the payment history shows discrepancies, obtaining the correct original date of delinquency is critical to verifying the permissible reporting period.

Any failure to provide this information will be treated as a violation of your obligation to report accurately under the FCRA ( 15 U.S.C. 1681s-2 ).

3. Inaccurate Reporting of Account Details : The following discrepancies in your reporting demonstrate your failure to maintain and furnish accurate information as required under 15 U.S.C. 1681s-2 ( b ) : Inaccurate Monthly Payment Amount : The reported monthly payment of {$180.00} is false, as the actual monthly payment amount is {$600.00}.

Inaccurate Balance : The balance currently reported as {$4100.00} is inconsistent with the accurate amount of {$4100.00}.

Misrepresentation of the Account Closure Date : You recently reported the account as being closed on XX/XX/year>, which is demonstrably false. The account has been closed since XX/XX/year>, yet you delayed reporting this information. This constitutes deceptive reporting practices and misrepresentation, both of which damage the integrity of my credit report. 

4. Deceptive and Misleading Practices : Your actions may also violate consumer protection laws due to the misleading nature of your reporting practices : Reporting the account as recently closed, despite its actual closure months earlier, creates an inaccurate timeline and misleads credit reporting agencies.

Continuing to report inaccurate payment history after the accounts closure is a blatant misrepresentation of the accounts status and undermines the accuracy of my credit profile. 

5. Demand for Immediate Action and Documentation : To resolve these issues, I demand the following : 1. Provide documentation showing compliance with the FCRAs notice requirements, including the notice sent before the first late payment was reported, the date it was sent, and evidence of delivery. 
XXXX. Furnish a detailed account history, including the original date of delinquency, along with accurate payment history reflecting the true state of the account. 

3. Provide an explanation for the discrepancies in your reporting, especially regarding the delayed reporting of the account closure date.

4. Confirm the removal of this account from all credit reporting agencies as there are to many violations and The misrepresentation of my creditworthiness That this Amex account has shown is unacceptable Notice of Rights and Remedies : Under the FCRA, you are obligated to respond to this dispute and provide the requested documentation within 30 days. Failure to do so will be treated as a violation of your legal obligations, and I will escalate this matter

Company response to consumer: Closed with non-monetary relief