Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
This new complaint involving new evidence and new events concerns XXXX American Express credit-card accountsXXXX XXXX XXXX XXXX XXXX XXXX and American Express Card ending in XXXXthat were repeatedly disputed and ultimately deleted from XXXX XXXX XXXX XXXX after findings of inaccurate and unverifiable reporting.

Despite those deletions, American Express Fraud Operations has recently contacted me in XX/XX/XXXX about these same accounts, raising concern that the company intends to re-classify or re-furnish them, in violation of the Fair Credit Reporting Act ( FCRA ). 

Prior CFPB Cases and Evidence : Case # XXXX ( filed XX/XX/XXXX ) : I disputed the American Express account XXXX in XXXX after a XXXX update XXXX XX/XX/XXXX showed a continued charge-off status and past-due amount for an account closed in XXXX. That update constituted illegal re-aging and false balance reporting. I requested full documentary proof of liability, including the Cardmember Agreement, application records, payment ledger, and XXXX None were produced. American Expresss XX/XX/XXXX, reply ( XXXX XXXX letter from XXXX XXXX ) merely asserted verified status and acknowledged no XXXX was issued. The company admitted relying on XXXX data exchange responses rather than original documents. 

Case # XXXX ( filed XX/XX/XXXX ) : I disputed the same accounts plus other tradelines with XXXX. American Express again failed to produce any contract or ledger and continued to report both accounts as charge-offs without XXXX filings. Its response on XX/XX/XXXX was conclusory and did not address the evidence of re-aging or documentation failures. 

These records show a pattern of continued reporting after notice and lack of documentary verification, violating multiple FCRA sections and IRS reporting duties. 

Current Issue : After the tradelines were deleted from all three bureaus, American Express Fraud Operations contacted me in XX/XX/XXXX. Because I am a documented victim of identity theft with a valid FTC Identity Theft Report on file, any renewed furnishing or fraud review of these accounts would trigger the blocking requirements of FCRA 605B. If American Express attempts to re-report or reinsert these accounts without certified proof, it will violate 611 ( a ) ( 5 ) ( B ) ( reinsertion after deletion ), 607 ( b ) ( maximum accuracy ), and 623 ( a ) ( 1 ) ( A ) ( furnishing information known to be inaccurate ). 

The XX/XX/XXXX, letter explicitly states that the company has no control over how the credit reporting agencies display the information, confirming that American Express relies solely on automated data feeds without manual verification of accuracy. Such practice fails the statutory requirement for reasonable procedures to ensure accuracy under FCRA 607 ( b ). 

Because both tradelines were removed from XXXX XXXX XXXX XXXX any re-reporting now would constitute an illegal reinsertion of deleted data and a continuing violation of the FCRA. 

Statutory Violations Cited : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy.

FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation.

FCRA 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable information.

FCRA 611 ( a ) ( 5 ) ( B ) Unlawful reinsertion of deleted data without notice.

FCRA 605B Failure to block identity-theft-related information.

FCRA 623 ( a ) ( 1 ) ( A ) Knowingly furnishing inaccurate data.

26 U.S.C. 6050P Failure to issue Form XXXX for canceled debt. 

Per XXXX XXXX. XXXX ( q ) ( XXXX ) and the FTCs implementing rule ( XXXX C.F.R. XXXX ) : Identity theft report means a report that a consumer has filed with a federal, state, or local law enforcement agency, or the Federal Trade Commission ( FTC ). 

The law explicitly recognizes an FTC Identity Theft Report ( filed at XXXX ) as a valid substitute for a police report. 


( I have attached identification verification to this complaint. )

Company response to consumer: Closed with non-monetary relief