Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
The following was sent to XXXX  and the companies indicated to no avail. The relief requested is therein the same. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX To : XXXX  XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX, TX XXXX Re : Demand for Immediate Deletion of Inaccurate Accounts & Cease and Desist from Publishing Incorrect Information NOTICE TO CEASE AND DESIST FORMAL DISPUTE PURSUANT TO FCRA Dear XXXX, I am writing to formally dispute and demand immediate removal of multiple accounts being inaccurately reported under my credit file. The following items are flagrantly incorrect and violate my rights under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related federal law. 


-- - Incorrect Identity & Address Information You are reporting accounts under the name XXXX XXXX, with addresses XXXX XXXX XXXX XXXX, XXXX, NY and XXXX XXXX XXXX XXXX, XXXX, NY. 
I am XXXX XXXX and have never resided at any of these addresses. This is a clear violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 


-- - Accounts in Dispute 1. American Express Account ending in XXXX Incorrect name, address, and amount owed. This account is not mine. 


2. XXXX XXXX Account beginning XXXX Incorrect name, address, and amount owed. This account is not mine. 


3. XXXX XXXX XXXX XXXX Account beginning XXXX Incorrect name, address, and amount owed. This account is not mine. 


4. XXXX XXXX Account beginning XXXX Incorrect name, address, and amount owed. This account is not mine. 


5. XXXX Account beginning XXXX Incorrect name, address, and amount owed. This account is not mine. 


6. XXXX Account beginning XXXX Incorrect name, address, and amount owed. This account is not mine. 




-- - Legal Basis for Immediate Deletion 15 U.S.C. 1681i ( a ) requires that disputed items must be deleted from the file if found to be inaccurate, unverifiable, or incomplete.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) affirms that a credit reporting agency must do more than simply rely on the furnishers verification ; it must conduct a reasonable investigation. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) confirms that continuing to report unverified information is a willful violation of the FCRA. 



-- - Cease and Desist Under 15 U.S.C. 1681s-2, I demand you immediately cease and desist from publishing or re-publishing this inaccurate information. Any further reporting will constitute willful noncompliance, subjecting XXXX  to civil liability under 15 U.S.C. 1681n and 1681o.

-- - Required Action Delete each disputed account in its entirety from my credit file. 

Remove all incorrect personal information ( name and addresses listed above ). 

Provide me with an updated credit report reflecting these deletions within 15 days of receipt of this notice. 


Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), New York State Attorney General, and potential civil litigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation