Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Filed Against : American Express ( Amex ), XXXX ( XXXX ), and XXXX XXXX. 

Nature of the Complaint : This is a formal complaint against American Express ( Amex ), XXXX ( XXXX ), and XXXX XXXX for multiple violations of federal and state consumer protection laws. These violations involve the unauthorized reporting of business accounts under my personal credit file, failure to validate debt and provide requested documentation, inaccurate reporting to credit bureaus, and noncompliance with data privacy laws. I am requesting that the CFPB initiate a full investigation and refer this matter to the appropriate federal and state agencies, as applicable. 

Summary of Key Issues : 1. Unauthorized Personal Credit Reporting by Amex Amex is reporting three delinquent business credit card accounts to my personal credit reports with XXXX XXXX and XXXX. 

I never signed a personal guarantee, nor authorized these accounts to be reported under my personal Social Security number. 

I am not personally liable for the business accounts in question. 

2. Failure to Provide Required Documentation - Since XX/XX/year>, I have made repeated formal requests by mail and phone for : - Signed credit applications- Contracts or agreements proving personal liability - Any documents showing my authorization for personal credit reporting To date, no documentation has been produced, which constitutes a failure to validate the debt under federal law. 

3. Improper Handling of Disputes by Amex and Credit Bureaus I submitted disputes with XXXX XXXX and XXXX  regarding these accounts. 

The credit bureaus and Amex have failed to conduct proper reinvestigations, did not provide verification, and continue to report the accounts as valid. 

Amexs responses have been vague, evasive, and conclusively dismissive, without offering evidence or legal justification. 

4. Refusal to Cancel Accounts and Delete Personal Data I submitted written requests to cancel the following XXXX/Amex cards : XXXX, XXXX, and XXXX, and to remove my personal data from their systems. 

All three companies have ignored or failed to fulfill these requests and have not confirmed account closures or data deletion. 

This is a clear violation of multiple state and federal data protection statutes. 

Violations of Federal and State Law : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. 
1681s-2 ( a ) : Furnishing inaccurate or incomplete information to credit reporting agencies. 

1681s-2 ( b ) : Failing to properly investigate and correct disputed information. 

1681e ( b ) : Failure to ensure the maximum possible accuracy of information. 

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq. ( If third-party collection is involved ) 1692e : Misrepresentation of debt and false credit reporting.

1692g : Failure to validate the debt upon written request. 

Gramm-Leach-Bliley Act ( GLBA ) Failure to safeguard and handle personal financial data appropriately. 

Florida Information Protection Act ( FIPA ) Failure to act on consumer data deletion and protection requests as required under Florida law. 

California Consumer Privacy Act ( CCPA ) ( if data held or processed in CA ) Noncompliance with verified consumer requests to delete or restrict access to personal data. 

Dodd-Frank Wall Street Reform Title X ( Consumer Financial Protection Act ) Unfair, deceptive, or abusive acts or practices ( UDAAP ) through misreporting, failure to validate, and ignoring legally mandated data and dispute rights. 

Companys Response and Refusal to Comply : In response to my detailed complaint, Amex sent a generic and irrelevant letter dated XX/XX/year>, which failed to address or investigate any of the specific legal violations I raised. The company refuses to provide any documentation, continues reporting disputed business accounts as personal liabilities, and now claims the matter is closed. This is not only unresponsiveit is a violation of consumer rights under the FCRA and other laws.

Company response to consumer: Closed with explanation