Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing this complaint against American Express ( Amex ), XXXX ( XXXX ), and XXXX XXXX for multiple violations of federal and state consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Gramm-Leach-Bliley Act ( GLBA ), and applicable state privacy laws such as the Florida Information Protection Act XXXX FIPA ) and the California Consumer Privacy Act XXXX CCPA ). 


Summary of the Complaint : 1. Incorrect Personal Liability Reporting by Amex : Amex is currently reporting three delinquent accounts on my personal credit reportaccounts tied to a business credit card for which I am not personally liable. I have never signed a personal guarantee, nor have I authorized the reporting of these accounts under my personal credit file. 
XXXX. Failure to Provide Documentation : Since XX/XX/year>, I have repeatedly requested, in writing and via phone, that Amex provide documentation, including : Signed credit applications Contracts indicating personal liability Any personal guarantee agreement To date, no documentation has been provided, yet the accounts remain on my credit reports and are reported as delinquent each month, damaging my score. 
3. Improper Credit Bureau Handling : I have submitted formal disputes to XXXX XXXX, and XXXX and all three credit bureaus have : Failed to conduct a proper reinvestigation Not provided verification documents from Amex Continued to report the items as valid, despite the lack of substantiation This constitutes a direct violation of the FCRA, 15 U.S.C. 1681i. 
XXXX. Failure to Cancel XXXX/Amex Accounts and Remove Personal Data : I submitted a clear and written request for all three accounts listed under Macys and XXXX Amex to be canceled and removed from my Macys online profile. 
Additionally, I requested that my personal information be deleted from the databases of : XXXX American Express XXXX ( XXXX ), which issues Macys-branded credit cards All three companies have ignored or failed to act upon these requests, and have not provided confirmation that : The accounts have been closed My personal data has been deleted Card numbers ending in : - XXXX - XXXX - XXXX Legal Violations Involved : XXXX. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681s-2 ( a ) : Furnishing inaccurate or incomplete information to CRAs 1681s-2 ( b ) : Failure to investigate disputes and correct errors 1681e ( b ) : Failing to maintain accuracy of consumer information 2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. ( if applicable to third-party collections ) 1692e : Misrepresentation of the debt 1692g : Failure to validate the debt upon request XXXX. Gramm-Leach-Bliley Act ( GLBA ) Failure to safeguard personal financial information 4. Florida Information Protection Act ( FIPA ) Failure to properly handle and delete consumer data upon request 5. California Consumer Privacy Act ( CCPA ) ( if applicable ) Noncompliance with consumer requests to delete personal information XXXX. Consumer Financial Protection Act ( Title X of the Dodd-Frank Act ) Unfair, deceptive, or abusive acts or practices ( UDAAP ) Consequences for Noncompliance : If these violations continue, Amex, XXXX, and Macys may be subject to : Statutory damages of up to {$1000.00} per FCRA violation Actual damages due to credit harm, denied loans, or higher interest rates Punitive damages for willful noncompliance ( under 15 U.S.C. 1681n ) Civil penalties under state privacy laws Potential class action exposure if others are similarly affected

Company response to consumer: Closed with explanation