Consumer complaint received 2025-02-07 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my credit report from XXXX, XXXX, and XXXX, I discovered errors regarding my American Express ( AMEX ) account that require immediate correction. 

Disputed Account Information : Creditor Name : American Express ( AMEX ) Account Number : XXXX Date Opened : XX/XX/2025 Balance Reported : {$10000.00} Credit Limit : Not Reported ( Incorrect ) Monthly Payment : Not Reported or Listed as {$0.00} ( Incorrect ) Last Payment Date : Not Reported ( Incorrect ) Credit Usage : Not Displayed ( XXXX - Incorrect ) Terms : Reported as XXXX  Month on XXXX, Not Reported on XXXX XXXX XXXX ( Inconsistent ) Explanation of Errors : Missing Credit Limit : My credit limit is not reported across all three bureaus, affecting my credit utilization calculation. 

No Reported Monthly Payment : The monthly payment should be accurately reported instead of XXXX XXXX or {$0.00}. 

Missing Last Payment Date : There is no record of my most recent payment, which can negatively impact my payment history. 

Credit Usage Not Displayed : XXXX does not display a percentage for my credit usage, which should be corrected. 

Incomplete Payment History : Payment history beyond XX/XX/2025 is missing, making my report incomplete. 

Inconsistent Terms of Account : XXXX lists the account terms as 1 Month, while XXXX and XXXX do not provide any terms, leading to inconsistencies.

Under 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Additionally, under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), this account is in violation for not reporting 100 % accurate information. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. These accounts have violated my rights.

Furthermore : 15 U.S. Code 1681 Section 602 ( A ) grants me the right to privacy.

15 U.S. Code 1681 Section 604 ( A ) ( 2 ) states that a consumer reporting agency can not furnish accounts without my written instructions. 

I request that these errors be corrected or deleted from my credit report immediately. If you are unable to verify the accuracy of the disputed information, I demand that it be removed from my credit report as required by the Fair Credit Reporting Act ( FCRA ).

Resolution Requested : Update the missing and incorrect information, including my credit limit, monthly payment, last payment date, credit usage, and terms. 

Correct inconsistencies across all three credit bureaus to ensure uniform and accurate reporting.

Provide written confirmation of these corrections or remove unverifiable information.

Block these transactions from being reported to my consumer report within 4 business days as required by law.

I am also requesting the original copy of the agreement & terms & conditions regarding this account. Failure to comply will forfeit your claims and require you to delete all the disputed items listed above. You are required to comply with my request or risk being held accountable for {$1000.00} per account under federal law. 

I have attached supporting documentation, including recent statements and payment confirmations, to assist in your investigation. Please respond in writing to confirm receipt of this dispute and the actions taken. 

Thank you for your time and prompt attention to this matter.

Company response to consumer: Closed with explanation