Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Complaint to the CFPB Against XXXX Subject : Complaint Regarding FCRA Violations, Privacy Violations, and Identity Mismanagement by XXXX Account Involved : American Express Partial Account Number : XXXX To Whom It May Concern, I am filing a formal complaint against XXXX  for multiple violations of the Fair Credit Reporting Act ( FCRA ) and potential breaches of privacy concerning the inaccurate and inconsistent reporting of the above-referenced account, as well as the unauthorized use and disclosure of my private information, including my legal name change. 

XXXX. FCRA Violations Related to Account Status and Reporting Inconsistent Status Reporting : XXXX has reported this account as " charged off '' in XX/XX/XXXX while also listing it as " closed at consumer 's request. '' This contradiction demonstrates a blatant failure to ensure maximum possible accuracy in reporting, in direct violation of 15 U.S. Code 1681e ( b ). 
Retention of Negative Information Beyond Legal Limits : XXXX has scheduled this account to remain on my credit report until XX/XX/XXXX, potentially exceeding the FCRAs seven-year limit for reporting adverse information as outlined in 15 U.S. Code 1681c ( a ) ( 4 ). This raises concerns about the possibility of re-aging the debt, a clear violation of FCRA guidelines. 
XXXX. Privacy and Unauthorized Disclosure of Personal Information Inappropriate Use of Legal Name Change : XXXX has included my legal name change ( " XXXX XXXX XXXX '' ) in connection with this account. I never provided this information to American Express, raising significant concerns about how XXXX obtained and connected this sensitive data to this trade line. 
Unauthorized Disclosure : XXXX inclusion of my legal name change suggests that my private information may have been disclosed to American Express or other third parties without my consent, violating 15 U.S. Code 1681b, which restricts permissible purposes for sharing consumer information. 
Failure to Protect Consumer Privacy : By mishandling and potentially sharing sensitive personal data without authorization, XXXX has also violated 15 U.S. Code 1681c-2, which is designed to protect consumers ' privacy and sensitive information. 
XXXX. Incomplete and Inaccurate Reporting of Payment and Balance Information Missing Payment History : The payment history for this account is incomplete, showing " No Data '' for several months. This is a direct violation of 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy in reporting. 
Unverified and Fluctuating Balances : XXXX has inconsistently reported balances for this account, listing amounts such as {$11000.00} as the high balance and {$10000.00} between XXXX and XX/XX/XXXX. These discrepancies indicate a failure to verify the accuracy of reported amounts, further violating 15 U.S. Code 1681e ( b ). 
XXXX. Failure to Conduct Proper Reinvestigations Lack of Verification : Despite discrepancies in the account status, balances, and payment history, XXXX has failed to conduct a reasonable reinvestigation of this account as required under 15 U.S. Code 1681i ( a ) ( 1 ). 
Failure to Provide Documentation : XXXX has not provided any documentation demonstrating the steps taken to verify the reported high balance of {$11000.00}, the fluctuating balances, or the inconsistent account status. 
XXXX. Failure to Comply with FCRA Guidelines for Account Closure and Status Reporting a Balance on a Closed Account : XXXX has reported a balance of {$11000.00} on an account marked as closed at the consumers request. This reporting practice violates 15 U.S. Code 1681c ( a ), which governs the reporting of accurate account statuses. 
Fair Resolution Requested Given the seriousness of these violations, I am requesting the following resolutions : Immediate and Permanent Deletion of the Trade Line : The removal of this American Express account ( Partial Account Number : XXXX ) from my credit report to rectify the inaccurate and unlawful reporting. 
Investigation into Privacy Violations : A full investigation into how XXXX obtained and disclosed my legal name change ( " XXXX XXXX XXXX '' ) to American Express or any third party, including an explanation of how this information was shared without my consent. 
Written Acknowledgment of Errors : A formal acknowledgment from XXXX outlining its violations of the FCRA and steps it will take to prevent future violations. 
Statutory Damages : Compensation for the harm caused by XXXX actions, including the violation of my privacy rights and the emotional distress caused by these inaccuracies. 
Assurance of Compliance : Documentation confirming that XXXX has reviewed and revised its policies to ensure compliance with FCRA and federal privacy laws. 
XXXX actions in this matter demonstrate a disregard for FCRA guidelines and consumer privacy rights. The unauthorized disclosure and mismanagement of my personal information, particularly the inclusion of my legal name change, are especially concerning. I urge the CFPB to investigate this matter thoroughly and take appropriate action to hold XXXX accountable. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation