Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX American Express Re : Formal Notice of Identity Theft, Demand for Block and Removal Under FCRA 605B To Whom It May Concern, This letter serves as a formal notice of identity theft and a direct dispute of a fraudulent credit card account reported under my name with American Express. The account details are as follows : Creditor : American Express Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Open I did not apply for, authorize, or have any knowledge of this account. It was opened using my personal information without my consent and is the result of identity theft. Additionally, your records indicate that payments were made from a XXXX XXXX bank account. I state unequivocally that I do not own, control, or have any association with this XXXX XXXX account. Any such payments are unauthorized and further substantiate that this account is fraudulent in its entirety. I have previously notified American Express of this fraud and requested resolution ; however, your company has failed to adequately investigate and correct this matter. Pursuant to the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681c-2 ( FCRA 605B ), 15 U.S.C. 1681s-2 ( a ) and ( b ), and all other applicable provisions, you are hereby required to : Block and permanently remove this account and all related information from my consumer reports Cease reporting this account to any consumer reporting agency Conduct a reasonable investigation upon notice of dispute Correct and delete any information found to be inaccurate, incomplete, or unverifiable You are further on notice that once a furnisher receives an identity theft report, it is prohibited from continuing to report information that it knows or has reasonable cause to believe is inaccurate. Your continued reporting of this account after notification constitutes willful or negligent noncompliance with federal law. Please be advised that failure to comply with your obligations under the FCRA may result in liability for actual damages, statutory damages, punitive damages, and attorneys fees pursuant to 15 U.S.C. 1681n and 1681o. I have filed an Identity Theft Report with the Federal Trade Commission and will provide documentation upon request. This letter should be treated as part of my formal identity theft report. I demand that the following actions be completed within the timeframe required by law : Immediate closure of the fraudulent account Permanent deletion of the account and all associated history from all credit reporting agencies Written confirmation that the account has been reported as identity theft Written confirmation that this matter has been fully resolved If this matter is not resolved promptly, I am prepared to file formal complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General, and to pursue all available legal remedies. Govern yourselves accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief