Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
* * FRAUD & ID THEFT DISPUTE DEMAND FOR ACCOUNT BLOCK, DELETION & VALIDATION ( FCRA 605B, 609 ( e ) ; FDCPA 809 ; FACTA ) * * Date : [ Insert Todays Date ] Consumer : XXXX XXXX Address : XXXX XXXX XXXX, XXXX FL XXXX CFPB Ref Nos : XXXX, XXXX, XXXX Account Numbers : XXXX, XXXX, XXXX Account Ending : XXXX To Whom It May Concern : This letter is a formal fraud dispute regarding the above-referenced account ( s ). 
I did not open, authorize, or benefit from any account ending in XXXX or any of the XXXX XXXX reference numbers. 
I am disputing this account as identity theft and fraud. 

Your recent CFPB response states you " can not respond because the account is in litigation. '' That is not an acceptable response and violates federal law. 

1. This Is Identity Theft FCRA 605B ( Fraudulent Account Blocking ) Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally requiredregardless of litigation statusto : Block the fraudulent account from all credit bureaus Cease all collection activity Provide copies of all documentation related to the fraud Stop reporting the account immediately Litigation does not exempt you from compliance with 605B.

2. FCRA 609 ( e ) Required Fraud Documentation Disclosure Under 15 U.S.C. 1681g ( e ), you must provide, within 30 days, all documents requested relating to the fraudulent account, including : The original application Any signed contract All documents used to open the account IP addresses, device IDs, timestamps Payment history All internal fraud-related notes If you claim I opened this account, you must provide proof.

3. FDCPA 809 ( b ) Debt Must Be Ceased Until Validated Because this account is disputed as fraud : All collection activity must stop You must provide full validation You can not continue to pursue litigation until the debt is validated Failure to do so is a violation of federal law.

4. Your CFPB Response Is a Violation Your letter stating : We are unable to respond because the account is in litigation.

is a violation of : FCRA 605B ( fraud dispute must be addressed ) FDCPA 809 ( b ) ( disputed debt must be validated ) FCRA 611 ( reinvestigation is required ) Being in litigation does not relieve you of your legal obligations.

5. Formal Demands I am demanding the following : A. Immediate Blocking & Removal Block this account with all bureaus under FCRA 605B.

B. Cease Litigation Until Validation Under FDCPA 809 ( b ), you may not pursue court action on a disputed, unvalidated debt.

C. Provide Required Fraud Documentation Send all documents required under FCRA 609 ( e ).

D. Provide Written Confirmation I need written confirmation that : The account has been blocked Reporting has stopped All collection activities have ceased All references to litigation have halted until validation is complete 6. Notice of Rights & Escalation If these demands are not met, I will escalate the matter to : CFPB FTC Florida Attorney General Volusia County Clerk of Court ( to notify the judge of identity theft ) I will also request sanctions for pursuing a fraudulent account during active fraud disputes.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation