Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau Submitted by : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX Digits ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Subject : Inconsistent Handling of Disputed Account by XXXX XXXXnd XXXX  Requires CFPB Oversight To Whom It May Concern, I am submitting this formal complaint regarding a clear and unacceptable contradiction between two national credit bureausXXXX XXXX XXXX how they resolved a dispute involving the same account : Account Name : American Express Account Number : XXXX On XX/XX/XXXX, I submitted a dispute to both bureaus concerning inaccurate and unverifiable information appearing in this account. Upon completion of its investigation, XXXX XXXXleted the account in full on XX/XX/XXXX, acknowledging that it failed to meet accuracy or reporting standards. Their conclusion, finalized with non-monetary relief, indicates that the item should no longer appear in my credit file. 

XXXX however, has taken the opposite positionstating that the account was " verified as accurate '' by the furnisher and maintaining it on my credit report. This contradiction is deeply problematic and forms the central issue of my complaint. 

XXXXore Issue : If XXXX, a major credit bureau, removed the account based on the evidence I submitted, how XXXX XXXX XXXXstify continuing to report it when the same evidence was presented? This creates a direct conflict in reporting outcomes, undermines the integrity of the dispute resolution process, and raises serious questions about XXXX XXXX compliance with its legal obligations under the Fair Credit Reporting Act ( FCRA ). 

Specifically, XXXX continued reporting appears to violate : FCRA Section 607 ( b ) : Requiring credit bureaus to maintain maximum possible accuracy of consumer data.

FCRA Section 611 : Requiring a reasonable and good faith reinvestigation when a dispute is filed.

A trade line that one bureau deemed invalid should not persist on another bureaus report without clear and superior justification, which has not been provided. 

Request for CFPB Action : I respectfully request that the CFPB intervene and investigate : Whether XXXX XXXXvestigation met the standards for accuracy and thoroughness outlined in the FCRA ; Whether XXXX relied on substantive and verifiable evidence not available to XXXX XXXX Whether this inconsistent reporting constitutes a failure to maintain fairness and transparency in the dispute resolution process ; And whether the American Express account should be removed from my XXXX report to ensure uniform and accurate credit reporting. 

This contradiction has caused unnecessary harm to my credit profile and damages the trust consumers place in the credit reporting system. I believe a uniform standard of accountability must be upheld. 

I am prepared to provide all supporting documentation, including XXXX final determination and XXXX dispute outcome. Thank you for your time, oversight, and assistance in resolving this matter fairly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation