Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Dear American Express XXXX, Im writing to formally notify you of my intent to initiate arbitration in accordance with Section 10 of the American Express Cardmember Agreement. As the agreement outlines, both parties must attempt to resolve disputes informally before pursuing legal action or arbitration. This letter fulfills that requirement. 

This matter stems from American Express 's repeated reporting of inaccurate and inconsistent information regarding my Delta SkyMiles Platinum Card ( account ending in XXXX / XXXX ). Ive disputed these errors through the credit bureaus and the CFPB, yet they continue to be verified and reported without correction. These ongoing inaccuracies have harmed me financially and emotionally and continue to impact my life. 

American Express is reporting inconsistent data across XXXX XXXX, and XXXX  in violation of FCRA 1681e ( b ), which mandates accurate reporting, and Metro 2 guidelines, which require uniformity across CRAs. Under XXXX  standards, furnishers must update corrected data across all credit bureaus. Violations of these requirements were also confirmed in XXXX XXXX XXXX XXXX XXXX, which emphasized the duty to ensure accurate and consistent information. 

Additionally, I recently submitted a formal dispute to XXXX  regarding the reporting of this account. The investigation resulted in a Modified statusconfirming that inaccuracies existed. Specifically, XXXX  updated Additional Information, Date of Major Delinquency First Reported, and Historical Account Information. These corrections prove that American Express furnished factually incorrect data. Under FCRA 1681i ( a ) ( 5 ) ( A ), inaccurate or unverifiable information must be deleted. If XXXX  and XXXX  do not reflect these corrections, it constitutes continued violations of both FCRA 1681e ( b ) and 12 CFR 1022.42. 

These actions severely damage my creditworthiness and reputation, limit my access to financial services, and undermine my confidence in the integrity of the banking system. American Express 's past enforcement actions by the CFPB ( XXXX and XXXX ) and the DOJ antitrust case show a pattern of disregard for consumer rights. 

I am not asking American Express to admit to any wrongdoing. I am willing to resolve this matter amicably and confidentially. Please have your representative contact me by mail at the address listed above with a settlement offer. 

I respectfully request : Immediate deletion of this account from all credit reports Cessation of all collection activity Compensation in the amount of {$6500.00} to resolve damages, FCRA violations, emotional distress, credit denials, arbitration fees, potential legal fees, and costs of preparation Please respond to this demand within 15 calendar days. If I do not receive a resolution, I will initiate arbitration in accordance with our agreement. This will include this letter, supporting evidence, and a formal statement of claims. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX

Company response to consumer: Closed with explanation