Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX Without Recourse XX/XX/year> TO : XXXX XXXX TEAM - LEGAL RE : CREDIT DENIAL AND DESCRIMINATION AMERICAN EXPRESS CREDIT CARD - WHITE GOLD XXXX Ref # XXXX I applied for the AMERICAN EXPRESS CREDIT CARD - WHITE GOLD on XX/XX/year>, and I was denied my credit. I have the RIGHT to CREDIT regardless of the reasons for the denial. Withholding my access to my SECURITIES is SECURITIES FRAUD and may be reported to the CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISION. The information that was knowingly used was inaccurate information which was used as a determining factor to the denial of credit. I have a right to challenge this consumer transaction and receive remedy. You are in violation of the Equal Credit Opportunities Act and Consumer Credit Protection Act. Since you are denying me my credit, please RETRACT MY APPLICATION IMMEDIATLEY OR OPEN THE LINE OF CREDIT TO ME. Failure to retract any and all denied credit applications associated with the account Ref # XXXX by XX/XX/year> will result in federal action. For remedy, either ( 1 ) retract the original application, or ( 2 ) Reopen the account with adverse action on it and keep the account open so that I can use the line of credit.

Undeniable Right to Credit Under the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 ( a ), it is unlawful for any creditor to discriminate against an applicant based on race, color, religion, national origin, XXXX, marital status, or age. Further, 15 U.S.C. 1691 ( b ) ensures that applicants who exercise any right under the Consumer Credit Protection Act, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, can not be discriminated against. I am aware that I am the creditor, and I regularly extend, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required as outlined in 15 U.S.C 1602 ( g ) as the original creditor. I understand my rights in reporting to the Consumer Reporting Agencies in voluntary. As per the CFPB, this is a private transaction and nowhere does the term Adverse Action in the FCRA mention the denial of credit to a Natural person. As an original creditor, it is unlawful to deny my right to extend credit. Furthermore, my credit was used without benefit to me as an inquiry appeared on my consumer report indicating a transaction where someone profited from my credit, and I gained nothing in fact. This denial of my right has caused mental and financial damage, 15 U.S.C 1643. I have been discriminated against as there are no Federal laws allowing a credit score to deny my rights to extend credit. In Good Faith I exercise my rights and as a natural person I face discrimination. In pursuance of 15 U.S.C 1691, it shall be unlawful for any creditor to discriminate against any applicant with the respect to any aspect of a credit transaction. For the damages caused to my mental well-being and financial reputation, I take my consumer report seriously and will escalate this to a federal level if my request to reopen the accounts where adverse action occurred is not addressed. 



FAILURE TO REPLY WITH REMEDY WITHIN ( 3 ) DAYS upon delivery is considered an admission of guilt by AMERICAN EXPRESS and an agreement to pay {$50000.00} in damages to me. 


Thank you. 


By Accommodation : XXXX ; XXXX XXXX XXXX for XXXX XXXX XXXX WITHOUT RECOURSE/ ALL RIGHTS RESERVED

Company response to consumer: Closed with explanation