Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Re : Request to Reinvestigate, Validate & Delete Accounts Immediately Legal Department, This dispute letter is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus in regards to Account # XXXX and inquiries I did not authorize or benefit from. I have recently paid for a copy of my credit reports and reviewed my credit file and noticed there were inaccuracies reported that were not authorized to be opened. I did not benefit or profit from these accounts being opened in my name. I also did not authorize anyone else to open these accounts in my name. Contracts are essentially manifest written or oral agreements or covenants that are mutually entered into by two or more parties : involving or bringing the said parties into conditional obligations which are enforceable by Law. 
Below are the creditors Original Creditors Account Numbers AMEX XXXX PLEASE HAVE THE CREDITOR VALIDATE NOT VERIFY AND PROVIDE THE ORIGINAL DOCUMENTATION USED TO OPEN THIS ACCOUNT WITH THE CONTRACT WITH THE ORIGINAL WET INK SIGNATURE WHICH THEY CAN NOT. I HAVE NEVER SIGNED A CONTRACT OR HAVE KNOWLEDGE OF THE CREDITOR STATED ABOVE. PLEASE DELETE IMMEDIATELY!! A CONTRACT MUST POSSESS MUTUALITY OF AGREEMENT AND MUTUALITY OF OBLIGATION AND MUST HAVE A WET INK SIGNATURE.A CONTRACT MUST BE PRODUCIBLE UPON DEMAND MADE BY EITHER PARTY TO THE CONTRACT, WHICH IN ITSELF, MAY BE IN QUESTION, DISPUTE, OR CONTROVERSY.

AS THE INAPPROPRIATELY REPORTING ERRORS ( MISREPORTINGS/MISINFORMATION ) ARE IMPROPERLY REPORTING NOT-COMPLIANTLY TO THE THREE CREDIT REPOSITORIES AND ARE DAMAGING MY CREDIT FILE, MY CHARACTER AND IS PUTTING ME THROUGH FINANCIAL HARDSHIP. THE SUSPECTED TRANSGRESSION ( S ) COULD BE SUBJECT TO FINES AND DAMAGES. THESE ALLEGED CREDITORS ARE BEHAVING DISHONORABLY IN CONSIDERATIONS OF THE FCRA FAIR CREDIT REPORTING ACT. PLEASE DELETE IMMEDIATELY FOR THIS ERROR AND IN ACCORD WITH TITLE 12 USC 411.

PLEASE REMOVE ANY NAMES AND ADDRESSES THAT IS NOT STATED ON THIS LETTER Finally remove all inquiries immediately that are being reported on my file because I did not authorize anyone to obtain a copy of my credit file.

Policy States : Reinvestigations of disputed information Reinvestigation required In General Subject to subsection ( f ). if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency received the notice of the dispute from the consumer or reseller. 
Policy states : ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer I have provided all 4 items within this package. Please block within 4 business days. Please permanently block and remove this item because of clear identity theft Enclosed Identity theft report Credit Report Proof of identity Copy of account showing fraudulent items I have sent in copies of the identity affidavit PLEASE APPLY THAT TO MY CLAIM OF INCORRECT INFO ON MY FILE AS THE INAPPROPRIATELY REPORTING ERRORS ( MISREPORTINGS/MISINFORMATION ) ARE IMPROPERLY REPORTING NOT-COMPLIANTLY TO THE THREE CREDIT REPOSITORIES AND ARE DAMAGING MY CREDIT FILE, MY CHARACTER AND IS PUTTING ME THROUGH FINANCIAL HARDSHIP. THE SUSPECTED TRANSGRESSION ( S ) COULD BE SUBJECT TO FINES AND DAMAGES. THESE ALLEGED CREDITORS ARE BEHAVING DISHONORABLY IN CONSIDERATIONS OF THE FCRA FAIR CREDIT REPORTING ACT.

These should be on file and the accounts listed deleted immediately.

Company response to consumer: Closed with non-monetary relief