Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am writing to American Express to formally request validation of an alleged debt that has been reported to the credit reporting agencies in your name. Please consider this letter a direct dispute and a demand for full validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), specifically per 15 U.S.C. 1692g. Additionally, I believe my rights under federal law have been violated, and I respectfully request an investigation and remedy. 

XXXX XXXX XXXX  Allegations of Violations XXXX. XXXX15 U.S.C. 6802XXXX : It appears that my personal financial information may have been disclosed without proper authorization or consent, in violation of the Gramm-Leach-Bliley Act. I demand clarification and evidence showing that all legal requirements for the disclosure of my information were followed. 

XXXX. XXXX15 U.S.C. 1681bXXXX : Under the Fair Credit Reporting Act ( FCRA ), a permissible purpose must exist for obtaining or reporting my consumer information. Please provide documentation proving that you or any associated entities had a permissible purpose under this statute. 

XXXX. XXXX18 U.S.C . 1028AXXXX : I am concerned that actions related to this account may involve unauthorized use of my identity or information, constituting aggravated identity theft. I request a thorough explanation to determine whether any fraudulent activity has occurred in relation to my account or credit file. 

XXXX XXXXViolation of FCRA Due to Fraudulent ActivityXXXX : The alleged debt has been listed as XXXXcharged off** by American Express. However : - They have **not provided me with a 1099-CXXXX, as required by the IRS for canceled debts XXXX 
- Despite charging off the debt, American Express is attempting to **collect the debt** in violation of federal guidelines. 
- Furthermore, American Express has initiated **legal action against me in civil court** for the same debt. This constitutes a misrepresentation of the account status and is fraudulent under the FCRA. Pursuing legal action while maintaining the debt as charged off is deceptive and contrary to fair reporting and collection practices. 

XXXX XXXX XXXX Debt Validation Request In accordance with 15 U.S.C. 1692g, I demand that American Express provide me with the following documentation : - Proof that I owe the alleged debt, including a copy of the original signed agreement or contract.

- A detailed breakdown of the alleged debt, including principal, interest, and any fees applied. 
- Evidence that you have the legal right to collect this debt after charging it off. 
- An explanation of why a 1099-C has not been issued if the debt has been charged off. 
- Proof that you are not double-collecting on the debt ( e.g., simultaneously charging it off and pursuing legal action ). 

Until the debt has been validated as required by law, I request that all collection activity, including reporting to credit bureaus, cease immediately. Including removing the record from XXXX, XXXX and XXXX. 

# # # Request for Deletion of Credit File Entries If validation can not be provided, I demand the immediate removal of any references to this alleged debt from all three credit reporting agencies ( XXXX, XXXX, and XXXX ), pursuant to 15 U.S.C. 1692g ( b ). Failure to validate the debt requires you to correct or delete inaccurate, incomplete, or unverifiable information from my credit file. 

# # # Additional Notes This letter is not an acknowledgment of liability or a promise to pay. It is a request for verification and clarification of the matters in question. If you fail to provide the requested information or do not respond within the legally required time frame, I reserve the right to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), or pursue legal remedies as necessary. 


Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation