Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
XXXX. My Information N/A 2. Description of the Problem Attached is a screenshot of pages from my Equifax credit report ( see the image reference ) which show : Months where CO ( chargedoff ) or C appears for many months in XXXX, XXXX, etc., even though these are inaccurate or not owed. 

Specific periods that are reported as past due or charged off which I believe are incorrect ( or do not belong to me/ have already been paid/ were never delinquent ). 

I dispute these entries because : [ Explain why they are wrong e.g. I never missed payments in those months ; the account was closed and paid ; I have proof of payments ; its not my account ; identity mix-up, etc. ] I have documents/statements/bank records showing the alleged late/chargedoff months are incorrect. 

XXXX. Legal Basis / Rights Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) : I have the right to an accurate credit report.

If I dispute information, the credit reporting agency must investigate, forward relevant info to the furnisher, correct or delete inaccurate or unverified data.

The agency must ensure maximum possible accuracy. 

Recently, the CFPB ordered Equifax to pay a {$15.00} XXXX civil penalty for improper/discriminatory investigations of credit reporting errors. The investigation found that Equifax : ignored evidence submitted by consumers in disputes, allowed previously deleted inaccuracy to be re-inserted into credit reports, provided confusing/contradictory letters about the results, and used flawed software code that led to inaccurate scores. 
XXXX XXXX Consumer Financial Protection Bureau XXXX Consumer Financial Protection Bureau XXXX This demonstrates that the issues I am experiencing are part of broader conduct already found by the CFPB. Thus, my situation is not isolated or unreasonable. 

XXXX. What I Want Equifax / CFPB to Do I hereby request : That Equifax investigate the entries in question ( specifically the months reported as charged off, past due, etc. ) and correct or remove any inaccurate information. 

That Equifax provide me with a corrected credit report showing the changes. 

That Equifax provide me with documentation or explanation of how they determined the entries were accurate ( if they refuse to change them ). 

That any furnisher or creditor reporting this information also be notified of the dispute, and that they correct their records as required. 

That any future computations based on my credit score not negatively reflect these incorrect entries.

5. Enclosures / Evidence A copy of my credit report screenshot ( s ) highlighting the inaccurate entries ( already attached ). 

Supporting documents ( bank statements, payment confirmations, correspondence ) that show these entries are incorrect. 

Any account numbers/ names of creditors related to the disputed items. 

XXXX. XXXX XXXX Removal or correction of these inaccurate CO / C / charged off / past due statuses. 

Any damages I may be entitled to under FCRA for harm ( for example, if these inaccuracies have led to higher interest rates, loan denials, etc. ).

If Equifax fails to comply, that the CFPB require Equifax to enforce its obligations under FCRA and ensure XXXX procedures conform to the law. 

Thank you for your time and assistance. I request acknowledgement of receipt of this complaint, and a response detailing what action will be taken, in accordance with consumer protection laws. 

Sincerely,

Company response to consumer: Closed with non-monetary relief