Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
b'RE: American ExpressXXXX XXXX XXXX XXXX XXXX XXXXFormal Dispute and Request for Permanent Deletion of Charged-Off Account\nAccount Number: XXXX XXXX XXXX XXXXTo Whom It May Concern,\nI am contacting you regarding the reporting of a charged-off credit card account with the number XXXX XXXX XXXX XXXX, originally opened on XXXX XXXX XXXX, and closed with a status of Paid in settlement. XXXX written off. The record also reflects charge-off notations in XXXX and XXXX XXXX, with a status update noted as MXXXX XXXXI am formally disputing this account and requesting its immediate removal from all consumer reporting agencies under the authority of federal law. This account is inaccurate, outdated, and unverifiable and its continued reporting is in violation of the following statutes:\n\nLegal Grounds for Deletion\n15 U.S. Code 1681i(a) Fair Credit Reporting Act (FCRA):\n You are required to ensure all reported information is accurate, complete, and verifiable. If this charged-off account cannot be verified by original documentation (not system data or screenshots), it must be deleted.\n\n\n15 U.S. Code 1681s-2(b):\n Upon receiving notice of dispute from the credit bureaus, the furnisher (you) must conduct a proper investigation and delete all information that is inaccurate or cannot be verified. You are liable if this is not done in accordance with the law.\n\n\n15 U.S. Code 1692e Fair Debt Collection Practices Act (FDCPA):\n Reporting a charge-off after a debt has been settled, especially with vague or incomplete terms like XXXX written off, can be misleading and deceptive. If the balance is XXXX, this charge-off notation is punitive and misrepresents the current status of the debt.\n\n\n15 U.S. Code  1681c(a)(4):\n Charge-off accounts are subject to a 7-year reporting limit starting from the original date of delinquency, not the settlement or update date. If this charge-off stems from delinquency prior to XXXX XXXX, it is obsolete and must be deleted.\n\n\n\nIssues With Current Reporting\nThe reporting is inconsistent: It shows a XXXX  balance, but also a charge-off and settlement, which misleads future creditors.\n\n\nThere is no original creditor listed, which violates completeness requirements.\n\n\nThere is no verification of the settlement agreement or detailed payment history leading to the charge-off.\n\n\nReporting this as a Paid in settlement while still showing derogatory CO (charge off) status is punitive and misrepresents my current creditworthiness.\n\n\n\nRequested Action\nIn light of the legal violations and lack of full verifiability, I am requesting that American Express immediately and permanently delete this account from all credit reporting agencies (XXXX XXXX XXXX).\nPlease confirm the deletion in writing within 30 days, as required under the FCRA. Failure to comply may result in complaints to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the Florida Attorney Generals Office for violation of my consumer rights.\nAttached are copies of my ID and a utility bill to verify my identity and address.\nSincerely,XXXX XXXX

Company response to consumer: Closed with explanation