Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX | XXXX Date : XX/XX/XXXX To : American Express XXXX. XXXX XXXX XXXX XXXX, TX XXXX RE : Debt Validation and Credit Reporting Dispute Account Nos. 
XXXX ( Date Opened : XX/XX/XXXX ) XXXX ( Date Opened : XX/XX/XXXX ) XXXX ( Date Opened : XX/XX/XXXX ) ________________________________________ To Whom It May Concern : This letter serves as my formal dispute of the above-referenced accounts and a demand for full and lawful validation pursuant to the Fair Debt Collection Practices Act ( XXXX, XXXX XXXX XXXX ) and the Fair Credit Reporting Act ( XXXX, XXXX XXXX. XXXX ( b ) ). 
I dispute the validity of these accounts, and I do not recognize any legal obligation to American Express based on the information provided. I am demanding the following : XXXX. Full Validation of the Debt : You must provide all of the following : A wet-ink signed application or agreement executed by me personally. 
The name, title, and authority of the agent or employee who signed on behalf of American Express. 
Proof that the signer had contractual authority to bind American Express to an extension of credit under applicable law. 
A complete accounting of all charges, interest, and fees on the account. 
Documentation of any assignments or transfers, including chain of title, if applicable. 
XXXX. Proof of Legal Standing and XXXX XXXX : I demand : Verification that American Express holds the right to enforce this alleged obligation. 
XXXX of whether this account was ever sold, securitized, or pooled into any trust. 
The name and signature of the individual with lawful authority to validate this debt and certify its accuracy. 
XXXX. Immediate Action on Credit Reporting : Pending full validation, I demand the immediate suspension of any collection or credit reporting activity under : FDCPA XXXX ( b ) : Requires all collection to cease until validation is provided. 
FCRA XXXX ( b ) : Mandates investigation and correction or deletion of any information found to be inaccurate or unverifiable. 
________________________________________ If you can not produce a valid signed contract and a wet-ink signature of an authorized representative, I demand you : Immediately delete all associated tradelines from XXXX, XXXX, and XXXX. 
Provide me with written confirmation that no further collection activity or credit reporting will take place. 
Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( XXXX  ), FTC, Georgia XXXX  XXXX XXXX  XXXX  XXXX, and if necessary, civil action seeking statutory, actual, and punitive damages for willful noncompliance. 
This notice is being sent in good faith, but if this issue is not resolved in accordance with federal law, I am fully prepared to escalate. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Consumer Advocate XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX

Company response to consumer: Closed with non-monetary relief