Consumer complaint received 2025-08-14 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: GA

Complaint narrative:
XXXX'Account in Dispute: American Express  Account No. XXXX XXXX XXXX XXXXBalance Reported: XXXX  (Balance Updated XXXX XXXX XXXXStatus Reported: Charge-Off (CO) with XXXX past due, despite no signed contract or proof of liability.XXXXNature of New Dispute and New Evidence\n\nThis is a new dispute based on new evidence showing that XXXX, through the furnisher American Express, has updated this account on XXXX XXXX XXXX to continue reporting a Charge-Off (CO) status, unlawfully re-aging the account and perpetuating inaccurate, unverifiable, and misleading credit information.\n\nI have never signed or authorized any contract agreement for this account, and American Express has refused to provide any signed agreement proving I am liable. The account is not mine and is disputed in full under the Fair Credit Reporting Act (FCRA).\n\nThe continued reporting of a charge-off without a balance and without a valid 1099-C violates federal law and the XXXX XXXX  Credit Reporting Resource Guide standards for accurate data reporting.\n\nStatutory Violations\n\nFCRA  1681e(b)  Failure to Ensure Maximum Possible Accuracy\nUpdating this tradeline as a CO in XXXX XXXX without verified liability or contractual proof misrepresents its accuracy, harming my creditworthiness.\n\nFCRA  1681i(a)(1)(A)  Duty to Reinvestigate Upon Receipt of Dispute\nI am submitting this as a new dispute with newly discovered evidence (XXXX XXXX XXXX  update). You are required to conduct a reinvestigation and either verify with complete documentary evidence or delete the tradeline.\n\nFCRA  1681i(a)(5)(A)  Duty to Delete Unverifiable Information\nIf the furnisher cannot produce a signed agreement proving liability, this account is unverifiable and must be deleted.\n\nFCRA  1681c(a)(4)  Illegal Re-Aging\nThis account has been charged off since XXXX XXXX, yet it is being updated with new CO notations in XXXX, changing the date of delinquency and artificially extending the derogatory impact beyond the 7-year reporting period allowed by law.\n\nIRS Code  26 U.S.C.  6050P  Failure to Issue 1099-C\nIf the debt was charged off and no longer collectible, the creditor is required to issue a 1099-C for debts over XXXX. No such form has been issued, making the reporting misleading and incomplete.XXXX XXXX  Standards  Compliance Condition Code\nUnder XXXX XXXX  guidelines, a charge-off with no outstanding balance must be reported with the proper Compliance Condition Code (e.g., XB for disputed) and must reflect zero balance and zero past due. Reporting a balance and past due amount with a charge-off is inconsistent with Metro 2 data standards and constitutes inaccurate credit reporting.\n\nRequired Action\n\nUnder FCRA  1681i(a) and  1681c-2(c), I demand that Experian:\n\nPermanently delete this American Express account from my credit file OR\n\nProvide full documentary evidence, including a signed contract agreement proving liability and a complete payment history.\n\nIf you cannot produce verifiable documentation within the statutory timeframe, you must delete the account entirely.\n\nI further demand written confirmation of the results of your reinvestigation and compliance with  1681c-2(d) regarding reinsertion prohibitions.\n\nFailure to comply will result in escalation to the CFPB, FTC, IRS Criminal Investigation Division, and pursuit of all available civil remedies under FCRA  1681n and 1681o for willful and negligent noncompliance.'

Company response to consumer: Closed with explanation