Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am formally disputing the following accounts on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, and the Truth in Lending Act ( TILA ) 15 U.S.C. 1641 ( g ).

I have identified multiple legal violations regarding these accounts, and failure to correct these errors within 30 days will result in formal legal action against your agency for willful noncompliance. 
ACCOUNTS IN DISPUTE : Account- XXXX XXXX XXXXXXXX FCRA 607 ( b ) : You failed to maintain maximum possible accuracy. This account shows different Date Opened entries across bureaus ( XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX ). 
FCRA 611 ( a ) : I previously disputed this item, yet the reinvestigation appears insufficient, as inaccurate and outdated data is still being reported.

FCRA 605 ( a ) : The Date Last Active is from XXXX, meaning this charge-off is reaching its reporting limit and may soon be obsolete.

FCRA 623 ( a ) ( 2 ) : The creditor is continuing to furnish information that is inaccurate and misleading ( i.e., {$0.00} credit limit, but high credit of {$6100.00} ), which is contradictory and incomplete. 
Misleading Reporting : Listing {$0.00} credit limit and a balance of {$490.00} misrepresents utilization and negatively impacts my score. 
XXXX XXXX XXXX FCRA 607 ( b ) : The account shows conflicting Date Opened entries ( XXXXXXXX XXXX 
XX/XX/XXXX ), and inconsistent High Credit values across bureaus ( {$3200.00} vs. {$0.00} vs. {$1800.00} ). 
FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers must provide accurate and complete information. Reporting a {$0.00} balance, {$0.00} past due, but still showing Collection/Chargeoff is misleading and damaging. 
FCRA 611 ( a ) : This account shows it was previously disputed, but the dispute outcome remains inaccurate and unresolved. 
FCRA 605 ( a ) : The Date Last Active ranges from XX/XX/XXXX to XX/XX/XXXX, indicating the account is nearing or exceeding the reporting period for derogatory information. 
Account- XXXX XXXX XXXXXXXX FCRA 607 ( b ) : Inaccurate and contradictory information is being reported. For example, a {$10000.00} credit limit is shown with a {$0.00} high credit, which is inconsistent and misleading. 
FCRA 623 ( a ) ( 1 ) ( A ) : Reporting a high balance and charge-off while stating the account was closed due to inactivity is false and deceptive. 
FCRA 611 ( a ) : No valid reinvestigation appears to have taken place despite previous disputes. The information remains inaccurate and outdated. 
FCRA 605 ( a ) : The Date of Last Activity ( XX/XX/XXXX ) and Last Payment ( XX/XX/XXXX ) indicate this account is potentially outdated and may be nearing or exceeding reporting limits. 
Account- XXXX XXXX XXXXXXXX FCRA 607 ( b ) : The account is being reported with conflicting open dates ( XX/XX/XXXXXXXX XXXX 
XX/XX/XXXX ), which shows a failure to maintain maximum possible accuracy. 
FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing data with a {$0.00} credit limit, but a high credit of {$13000.00}, while also stating the account is charged off is inconsistent and potentially misleading. 
FCRA 611 ( a ) : It appears there has been no proper reinvestigation, as previous disputes have not led to correction of obvious inaccuracies.

FCRA 605 ( a ) : With a Date Last Active of XX/XX/XXXX, the account is approaching the XXXX year limit for negative reporting and should be reviewed for possible early obsolescence. 
LEGAL DEMANDS & GROUNDS FOR DELETION XXXX. PROOF OF DEBT OWNERSHIP REQUIRED ( 15 U.S.C. 1641 ( g ) ) Under TILA 15 U.S.C. 1641 ( g ), if a debt is sold or transferred, the new owner must provide proper notification and proof of assignment. 
The original creditor has already been paid via securitization and no longer owns this account. 
If no legally admissible proof of ownership is provided, this account must be deleted immediately. 
Required Action : REMOVE the account or provide the full chain of ownership with original signed agreements proving legal standing. 
XXXX. FAILURE TO CONDUCT A REASONABLE INVESTIGATION ( 15 U.S.C. 1681i ( a ) ) Under the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a reasonable investigation upon dispute.

Simply verifying data with a creditor is NOT a valid investigation.

If you claim this information is verified, provide the method of verification ( MOV ) as required by 15 U.S.C. 1681i ( a ) ( 2 ) ( B ). 
Required Action : REMOVE the account if no legitimate MOV and full documentation is provided. 
XXXX. FALSE & MISLEADING REPORTING BY THE ORIGINAL CREDITOR ( 15 U.S.C.

1681s-2 ( a ) ) If the original creditor sold or charged off this debt, they are no longer the legal owner, yet they are still reporting it.

Under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), inaccurate reporting must be corrected or removed. 
If the creditor was paid via securitization or insurance write-off, they must update the tradeline to Transferred/Sold or remove it completely. 
Required Action : DELETE the account immediately if the original creditor has no current ownership rights. 
XXXX. FAILURE TO REPORT A CHARGED-OFF ACCOUNT CORRECTLY ( GAAP & IRS LAWS ) According to GAAP ( Generally Accepted Accounting Principles ) and IRS reporting laws, a charge-off means the original creditor wrote off the debt as a loss.

If a charged-off account was sold, the creditor has no right to continue reporting a balance or updating the status.

Reporting a balance on a charged-off account is falsifying financial information, which is deceptive under 15 U.S.C. 45 ( FTC Act ). 
Required Action : REMOVE the charge-off immediately, or provide accounting records proving the creditor still legally owns the balance. 
XXXX. COLLECTION AGENCY VIOLATIONS UNDER FDCPA ( 15 U.S.C. 1692g & 1692e ) If this account is now with a debt collector, I demand full validation under FDCPA 1692g.

Collection agencies must prove : o A valid assignment from the original creditor.

o A signed contract showing I agreed to this debt transfer.

o A full payment history proving what is allegedly owed. 
If the collection agency can not provide all of the above, they are in violation of FDCPA, and the debt must be removed. 
Required Action : DELETE the collection account immediately if the collector can not provide all required validation documents.

Company response to consumer: Closed with non-monetary relief