Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am writing this formal rebuttal to directly challenge and refute the misleading and legally deficient correspondence issued by American Express dated XX/XX/year>. The letter makes numerous deceptive claims which distort the truth and deliberately ignore valid and lawful concerns I have raised as a consumer. 

XXXX. XXXX XXXX : We located your account This statement implies American Express conducted a meaningful, good faith investigation. That is false. You simply used my Social Security Number ( SSN ) which is private and personally identifying informationto locate the account. This is not a valid or permissible investigative method when a consumer has disputed a debt. Using my SSN without express consent is a privacy violation and a potential breach of the Fair Credit Reporting Act ( FCRA ) and other privacy protections. Your act of associating an alleged account with my SSN, without providing documentary proof of consent or agreement, is constructive fraud. 

XXXX. Invalid Reliance on the Cardmember Agreement ( CMA ) Your repeated references to the CMA attempt to override federal law and consumer protections. The CMA is not above the law, and it can not excuse American Express from complying with statutes such as the FCRA, Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). Furthermore, any agreement allegedly entered into becomes null and void when the institution fails to provide required disclosures, such as the right to rescind, and instead engages in fraudulent, misleading, and deceptive conduct. 

I have already lawfully rescinded any such agreement, and I do not consent to being bound by it. The CMA can not strip me of my legal rights as a consumer. 

XXXX. Cease and Desist Violations Your correspondence blatantly disregards my lawful cease and desist notice, intended to stop harassment, coercion, and intimidation over an alleged debt. Also on a phone call with a representative, Amex falsely implied that lifting this cease and desist would allow them to further assist me, a manipulative tactic aimed at coercing compliance. This is a violation of my right to limit or terminate communications regarding an alleged debt, and it exemplifies bad faith and predatory behavior. 

XXXX. Misrepresentation of Validated Debt Sending billing statements, transaction summaries, or the CMA does not constitute lawful debt validation under the FDCPA. I have repeatedly requested specific documentation such as : Full accounting ledger and journal entries, Documentation of all assignments, hypothecations, or securitizations, The original wet-ink signature contract, Records of tax implications or benefits accrued from my SSN-based activity, etc.

You have refused or failed to provide any of this. Sending billing statements does not validate debt, and your refusal to produce the original, lawful documentation proves your reporting is unverified and deceptive. 

XXXX. Falsely Claimed Accurate Credit Reporting American Express claims to be accurately reporting the account. However, you are reporting a closed account as delinquent, which is a direct contradiction and a misrepresentation of its status. A closed account can not be active in collections. Reporting such accounts as delinquent is deceptive and defamatory, and negatively impacts my credit profile without just cause. 

XXXX. False Compliance with Laws Your claim that American Express complies with all laws and regulations is disproven by your actions. You have failed to : Provide a proper and complete debt validation package, Honor my cease and desist notice, Accurately report the status of the account, Disclose my rights or lawful remedies, Respect my privacy and consumer protections. 

Your practices reflect constructive fraud, abusive and unfair debt collection, and manipulation of consumer data. 

You cant & havent answered any of my questions or concerns nor have you rebuttal any dispute or affidavits delivered to you AMEX or American Express. 
You constantly fail to throughly investigate the situation at hand, as my account has been under review for XXXX and a half years. 


Final Position : I, The consumer, rescind all prior alleged agreements with American Express based on your deceptive, fraudulent, and rights-violating conduct. You have failed to provide any documentation I demanded forfeiting your right to collect any alleged debts. Youve had more than 2 years to provide a legitimate response & you continue to clown, hindering my credit profile with the false reporting of this account regardless of the inaccuracies brought to your attention. Noncompliance & negligence of my consumer protection rights is vivid. You have failed as a banking institution assuming many vital roles besides protecting & honoring the consumer.

Company response to consumer: Closed with non-monetary relief