Consumer complaint received 2025-07-26 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: MI

Complaint narrative:
b'XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\n(XXXX XXXX\n\nDate: XXXX XXXX XXXX\n\nTo:\nXXXX XXXX\nXXXX XXXX XXXX\nXXXX, PA XXXX\n\nRe: URGENT DISPUTE  Identity Theft & XXXX XXXX Victim Statement\nAccount Name: AMEX\nAccount Number: XXXX XXXX XXXX\nReport Date: XXXXnCredit Limit: XXXX\n\n\n---\n\nSubject: Dispute of Fraudulent Account Under FCRA  1681c-2 and TVPA Protections  Identity Theft & XXXX XXXX Survivor\n\nTo Whom It May Concern,\n\nI am formally disputing the reporting of the above-referenced AMEX account (Account #XXXX XXXX XXXX XXXX) on my credit report maintained by XXXX  (Data Source CodeXXXX XXXX XXXX). This account was opened fraudulently on or around XXXX  and does not belong to me. I am a victim of both identity theft and XXXX XXXX and this account is a direct result of that exploitation.\n\nIn accordance with the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C.  1681c-2, and under the XXXX  Victims Protection Act (TVPA), I request the immediate removal of this account from my consumer report. The account is inaccurately being reported as "Closed," "Terminated," and with a "Current-1" payment manner, which misrepresents the nature of the account\'s origin and further harms my recovery process.\n\nI am exercising my rights under:\n\nFCRA  1681c-2: Obligation of consumer reporting agencies to block information resulting from identity theft and XXXX.\n\nFCRA  1681i: Right to reinvestigation and deletion of inaccurate, unverifiable, or incomplete information.\n\nFCRA  1681e(b): Duty to ensure maximum possible accuracy.\n\nXXXX  Survivors Relief Act (Public Law 117-348): Which expands protections for survivors to remove fraudulent debts.\n\nConsumer Financial Protection Circular XXXX Reinforces that consumer reporting agencies must promptly and permanently remove trafficking-related items upon proper request.\n\n\nDisputed Details:\n\nCreditor: AMEX\n\nAccount #: XXXX XXXX XXXX\n\nDate Opened: XXXXn\nCredit Limit: $XXXX\n\nStatus: Closed  Terminated (APP1)\n\nBalance: $XXXX\n\nRemarks: ASSOCIATION TERMINATED  APP1 (TUC)\n\nECOA Code: Terminated\n\nData Reported By: XXXX  (XXXX/XXXX)\n\n\nThis account was opened without my knowledge or consent, and its presence on my report is harmful and illegal under federal protections. I am submitting this request in good faith and require the following actions:\n\n1. Permanently delete this AMEX account from all versions of my consumer file.\n\n\n2. Block the reporting of this account across all CRAs (XXXX, XXXX, XXXX) under the FCRA & TVPA.\n\n\n3. Provide a full reinvestigation summary and method of verification under 15 U.S.C.  1681i(a)(6)(B)(iii).\n\n\n4. Notify me of the deletion and ensure no reinsertion occurs without full compliance under  1681a(a)(5)(B).\n\n\n\nPlease consider this letter as part of my XXXX-related consumer file block request, and process it manually, not through any automated e-OSCAR system. If the account is not removed within the 30-day reinvestigation window, I will escalate the matter to the CFPB, FTC, and state Attorney Generals office, and pursue damages under 15 U.S.C.  1681n and 1681o.\n\nAttached are supporting documents:\n\n[ ] Government-issued ID\n\n[ ] Proof of address\n\n[ ] Police report / XXXX  XXXX  affidavit / Identity Theft Declaration\n\n\nThank you for your immediate attention to this matter.\n\nSincerely,\nXXXX XXXX\nSSN: XXXX-XXXX

Company response to consumer: Closed with explanation