Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Secondary Companies Involved : American Express National Bank ( Amex ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Demand for Immediate Discharge of Invalidated American Express Debt ( Account Ending in XXXX ), Removal of All Data from Credit Reports, and Maximum Legal Remedies for FDCPA, FCRA, and CFPA Violations Complaint Details : What Happened On XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) sent a letter in response to my debt validation request for an American Express ( Amex ) account ending in XXXX, which I disputed as fraudulent. XXXX claimed to validate the debt by providing copies of statements and a card member agreement, but these documents lack a wet-ink signature, IP logs proving authorization, or a chain of title showing XXXX  legal right to collect. This account is part of a broader pattern of fraudulent accounts opened by business funding operations from which I received no value, as evidenced by my FTC Identity Theft Report # XXXX ( filed XX/XX/XXXX ) and prior CFPB complaints against Amex ( e.g., XXXX, XXXX ) and XXXX XXXX XXXX ( XXXX XXXX XXXX ). 

An Assignment and Bill of Sale dated XX/XX/XXXX, between XXXXXXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) suggests this Amex debt may have been sold to XXXX, raising further questions about XXXX standing ( Image ID : XX/XX/XXXX ). Despite my disputesXXXX XXXX XXXX XXXX XXXX continue reporting this account, including charge-offs and late payments, without verification ( Chat ID : XX/XX/XXXX CRA Letter XXXX. XXXX XXXXailure to validate and the CRAs sham investigations mirror systemic issues in the CFPBs lawsuits against Experian ( XX/XX/XXXX ) and Equifax ( XX/XX/XXXX ) for inadequate dispute handling. 

Specific Violations by XXXX XXXX XXXX. 
FDCPA 1692g Failure to Validate Debt XXXX XXXX  validation attempt with statements and a card member agreement lacks a wet-ink signature, IP logs, or chain of title, failing to meet FDCPA standards ( Attachment : XXXX Letter XXXX. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Validation requires original proof.

FDCPA 1692e False or Misleading Representations XXXX XXXX continued collection efforts without validation misrepresent their legal standing. 
Case Law : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX must prove standing. 
UCC 3-305 Lack of Standing : The Assignment and Bill of Sale to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX may not own this debt ; without a chain of title, XXXX lacks standing to collect ( Image ID : XX/XX/XXXX ). 
Case Law : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Specific Violations by American Express FCRA 1681s-2 ( b ) Failure to Investigate : Amex failed to verify data reported to CRAs, providing insufficient validation despite prior disputes ( Chat ID : XX/XX/XXXX ). 
Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
Arbitration Breach : Amexs transfer to XXXX without offering arbitration violates its XXXX arbitration clause ( Chat ID : XX/XX/XXXX ). 
Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). 
Specific Violations by CRAs ( XXXX XXXX XXXX XXXX FCRA 1681i ( a ) Sham Investigations : The CRAs failure to remove unverified data mirrors the systemic issues in the CFPBs lawsuits against Experian ( XX/XX/XXXX ) and Equifax ( XX/XX/XXXX ). 
Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
FCRA 1681c-2 Failure to Block : The CRAs failed to block this data despite my FTC Identity Theft Report. 
XXXX XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ). 
FCRA 1681n Willful Noncompliance : The CRAs practices violate FCRA, as per CFPB lawsuits. 
XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation