Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Iowa XXXX, IA XXXX Re : Ongoing Dispute Unauthorized Account / Data Breach / Pending Legal Action CFPB XXXX XXXX : XXXX & XXXX Complainant : XXXX XXXX To Whom XXXX XXXX XXXX XXXX I am submitting this dispute in response to American Express unlawful actions, including XXXX XXXX reporting of an account that does not belong to me and their gross mishandling of consumer data. 

Even more concerning, I am now being sued in the XXXX of Florida on the basis of this fraudulent account. This action is improper, retaliatory, and based on an account that has never been validated, in violation of both federal and state law. 

Key Violations by American Express : Failure to Validate Disputed Debt Despite multiple disputes, American Express has not provided any valid contract, original signed agreement, or chain of ownership under FCRA XXXX and FDCPA XXXX. 

False XXXX XXXX The account continues to damage my credit even though its accuracy has never been verified, violating FCRA XXXX and XXXX ( b ). 

Data Breach / Privacy Violation On XX/XX/XXXX, American Express mailed me confidential financial account information of another consumer ( XXXX XXXX ), exposing account numbers, refund details, and other sensitive data. This is a clear violation of the XXXX XXXX ( XXXX XXXX. XXXX ) and XXXX also violate Florida Statutes XXXX XXXX ( Florida XXXX XXXX XXXX of XXXX ), which requires businesses to safeguard personal data and notify affected consumers of breaches. 

Improper Legal Action Proceeding with a lawsuit in Florida while failing to validate the debt and while in the middle of a CFPB dispute constitutes bad faith, harassment, and further violates FDCPA XXXX ( XXXX ) ( A ) ( false representation of debt ). 

DEMAND FOR RELIEF : I demand that American Express and its agents : Immediately dismiss the Florida lawsuit with prejudice, as the alleged account is unverified and unlawfully reported. 

Permanently delete all American Express tradelines and accounts associated with my name and Social Security number that can not be validated. 

Provide written confirmation that these accounts do not belong to me and will not be reinserted into my credit file. 

Provide a full explanation and disclosure of the XX/XX/XXXX data breach, including how another consumers information was sent to me, what steps are being taken to correct this security lapse, and whether the affected consumer has been notified. 

Notify all relevant regulators, including the FTC and the Florida Attorney General, as required by law. 

Notice of Escalation : If American Express fails to comply, I will escalate this matter further with : The Federal Trade Commission ( FTC ) for privacy and data breach violations. 

The XXXX of the Comptroller of the Currency ( XXXX ) for banking oversight. 

The Florida Attorney XXXX XXXX under Florida consumer protection and privacy laws. 

Civil litigation in state and federal court under the FCRA, FDCPA, XXXX, and Florida law, seeking statutory, actual, and punitive damages. 

This situation is no longer a routine credit disputeit is a matter of fraudulent reporting, improper litigation, and unlawful disclosure of consumer data. I expect a full corrective response within XXXX  days. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation