Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
I am formally disputing an inaccurate entry on my credit report related to an account furnished by American Express. Despite my prior disputes under the Fair Credit Reporting Act ( FCRA ), American Express has failed to provide proper verification of the account as required by law. Their response to my verification request consisted solely of excuses, saying they didnt have enough information & for me to contact them. However, their use of ambiguous language does not allow me to understand the agreement they are claiming I am liable for, which was not fully disclosed to me. For example when they use the term ( or used the Card ) on page XXXX of their response to my complaint from XXXX. 

Pursuant to the FCRA, specifically 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2 ( b ), consumers are entitled to a reasonable investigation and proper verification of disputed information. Merely providing a response does not meet the legal standard for verification, as they do not establish the validity of the account or its ownership. Im telling you the credit reporting agencies are inaccurately reporting this account. XXXX XXXX has the account as charged off, XXXX does not have a account for American Express while XXXX has no account status. This would have been easily solved If you would have took my first complaint seriously. Why do I have to do your job? 

This failure demonstrates American Expresss noncompliance with their duties as a furnisher under 15 U.S.C. 1681s-2 ( b ) to investigate and correct inaccurate reporting. Additionally, the credit agencies are obligated under 15 U.S.C. 1681e ( b ) to maintain reasonable procedures to ensure maximum accuracy, which has not been upheld in this case.

To support my dispute, I am citing the following FCRA provisions : - 15 U.S.C. 1681i ( a ) Dispute Procedure : Credit bureaus must conduct a reasonable investigation when a consumer disputes an item. Providing a response for merely denying my request is illegal and does not meet this standard. 
- 15 U.S.C. 1681s-2 ( b ) Duty of Furnishers : American Express is required to conduct a proper investigation and ensure the accuracy of reported information. Their failure to verify the accuracy of the account violates this section.

- 15 U.S.C. 1681e ( b ) Reasonable Procedures : Credit reporting agencies must maintain reasonable procedures to ensure maximum accuracy of the information they report. 

Case law and regulatory guidance have established that providing a response or flat out, denying my request alone does not constitute proper verification. Despite my previous disputes with both American Express and the credit agencies, their responses have consistently failed to meet the requirements of federal law. And I have been seriously harmed and damaged by this. My credit has took a immense hit, and XXXX cant even get a house or car because of this. 

The credit agencies are reporting by account incorrectly. Please verify that no agency is reporting correctly. Delete it because youre 30 days is up and I am demanding monetary relief for not looking into this the first time that I asked. 

Please conduct a thorough investigation as required under the FCRA and provide me with a written response outlining your findings within the legally mandated time frame. If this matter is not resolved promptly, I will consider pursuing further legal action to enforce my rights under federal law

Company response to consumer: Closed with non-monetary relief