Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXXXXXX, IA XXXX Re : Ongoing Dispute Unauthorized/Erroneous Account Reporting CFPB Ref No : XXXX Complainant : XXXX XXXX To Whom It May Concern , I am writing in response to American Express XX/XX/year> letter regarding the above-referenced complaint. Their response is not only irrelevant, but dangerously misleading, as it references alleged Gift Cards and account activity that have absolutely nothing to do with me. Let me make this perfectly clear : This account, these gift cards, and the referenced activity DO NOT belong to me. 

American Express has failed to provide any documentation that establishes a lawful connection between me and these accounts. Instead, they continue to deflect with unrelated explanations and goodwill refunds, which only further demonstrates their inability to validate their claims.

This conduct is a blatant violation of 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to investigate consumer disputes thoroughly and correct inaccurate or unverifiable information. Providing irrelevant responses instead of validation is not complianceit is willful neglect.

Further, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), once a debt is disputed, collection and reporting must cease until full validation is provided. American Express has failed to produce : A signed application or agreement linking me to the alleged account ( s ).

Statements, payment history, or legitimate records establishing responsibility.

Proof that any alleged account is valid, accurate, and legally enforceable.

Instead, they continue to maintain false and unverifiable information. This reckless behavior is damaging to my credit and constitutes willful noncompliance, for which statutory damages and attorneys fees are recoverable under 15 U.S.C. 1681n.

I demand the following, immediately : Complete removal of all inaccurate/unauthorized American Express accounts from my credit file with Experian, Equifax, and TransUnion.

A written statement confirming that these accounts do not belong to me and will not be reinserted.

A full compliance response to the CFPBnot irrelevant form letters about gift cards.

Failure to act will result in escalation, including : Filing additional complaints with the Office of the Comptroller of the Currency ( OCC ), Involvement of my State Attorney General, And initiation of civil litigation for damages caused by false reporting and willful violations of FCRA and FDCPA.

This is not a requestit is a final demand for lawful compliance. If American Express continues to disregard its obligations, I will hold them fully accountable. 

I expect a complete and substantive response within 15 days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation