Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Formal Dispute & Notice of Legal Violations AMERICAN EXPRESS To Whom It May Concern, This is a formal dispute and demand for immediate correction regarding the inaccurate, misleading, and potentially unlawful reporting of the above-referenced account by American Express on my credit file. 

This account is being reported as charged off with a balance of {$2900.00} and a past due amount of {$1700.00} as of XX/XX/XXXX. No payments have been recorded for over a year, and the balance has remained stagnant, raising serious questions about the legitimacy, accuracy, and legal permissibility of this tradeline under federal consumer protection laws. 

Governing Laws Cited : 15 U.S.C. 1681i Right to dispute incomplete or inaccurate information 15 U.S.C. 1681s-2 ( b ) Duty of furnishers to investigate and correct disputed information 15 U.S.C. 1692c ( c ) Cease communication request under the FDCPA 15 U.S.C. 1692e Prohibits false, deceptive, or misleading representations in the collection of debt 15 U.S.C. 1692g ( b ) Right to request debt validation 15 U.S.C. 1681e ( b ) Obligation of CRAs to ensure maximum possible accuracy CFPB Regulation V ( 12 CFR Part 1022 ) Enforcement of FCRA compliance standards Violations & Dispute Basis : Continued Reporting After Charge-Off : This account is listed as " charged off '' as of XX/XX/XXXX and has shown no payment activity since. If it is truly charged off and sold or transferred, it is unlawful for multiple parties to report the same debt. Failure to update the balance or indicate ownership transfer may constitute false reporting under 15 USC 1692e. 

Balance Reporting Accuracy : The account balance has remained unchanged since XXXX, despite the charge-off being reported. This could indicate inaccurate balance reporting, which violates FCRA 1681e ( b ) requiring maximum possible accuracy. 

Verification Demanded : I am demanding full validation of this debt under FDCPA 1692g ( b ). This includes : Original signed agreement Itemized accounting of charges and payments Chain of custody if sold or transferred Proof of authorization to report this tradeline Unverified Information Must Be Removed : If American Express and your bureau can not verify this information with competent evidence, it must be deleted from my credit report under FCRA 1681i. 

Reporting of Past-Due Balances Post Charge-Off : Reporting both a " charged off '' account and a " past due '' status is double reporting, which is misleading and may be interpreted as deceptive under 15 USC 1692e ( 2 ) ( A ). 

I hereby demand the following : Immediate reinvestigation and deletion of this inaccurate account unless verifiable documentation is provided within 30 days. 

A written statement detailing the results of your investigation. 

The name and contact information of the furnisher who verified the account. 

Removal of any unverifiable or outdated remarks including " past due '' after the charge-off. 

Notification to all creditors who have accessed my report within the last 6 months of any resulting changes. 

Notice of Further Action : Failure to comply with this demand within 30 days from receipt will result in formal complaints to the CFPB, FTC, the California Department of Financial Protection and Innovation ( DFPI ), and my attorney general 's office. Legal remedies, including statutory damages under FCRA and FDCPA, will be pursued.

Company response to consumer: Closed with non-monetary relief