Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Account Number : [ XXXX ] Dear American Express, I am writing pursuant to the Fair Credit Billing Act ( 15 U.S.C. 1666b ) to formally dispute the alleged late payments reported on my credit report. Upon reviewing my credit file, I have noticed inaccurate and/or unverifiable late payment entries associated with the above-referenced account. These entries are damaging my creditworthiness and must be corrected immediately.

Legal Basis for Dispute Under 15 U.S.C. 1666b, creditors must promptly credit payments as of the date of receipt unless a delay does not result in a finance charge or other fees. Additionally, 15 U.S.C. 1681s-2 ( b ) requires furnishers to investigate and correct inaccurate or incomplete information reported to consumer reporting agencies.

Furthermore, I am invoking my rights under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), which requires you to provide proper validation of the alleged debt, including : Proof of the debts validity. 
A detailed breakdown of the alleged debt amount. 
A copy of the original signed agreement creating the obligation, if applicable. 
It is important to note that bank statements or payment histories alone are insufficient to validate a debt. As held in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. 2001 ), simply providing a payment history or internal records does not meet the standard of proof for validating a debt. You are required to produce tangible evidence, such as the original agreement or contract, that establishes the existence and terms of the alleged obligation. 

Demand for Forensic Accounting To further substantiate the accuracy of your claims, I formally demand a forensic accounting of the accounts in question. This must include : A detailed payment history, showing all dates, amounts, and how payments were applied to the account. 
Proof of receipt of payments and how they were credited. 
The specific dates and amounts of any payments you allege were late, along with evidence supporting these claims. 
Failure to provide this detailed accounting will only reinforce my claim that the alleged late payment entries are inaccurate and unverifiable. 

Cease and Desist Notice XXXX to 15 U.S.C. 1692c ( c ) of the FDCPA, I demand that you cease and desist from all further communication regarding these alleged late payments, including reporting them to any credit reporting agencies. My credit report constitutes a " means of communication '' under the FDCPA, and any continued reporting of inaccurate or unverifiable late payments will be considered a willful violation of federal law. 

XXXX XXXX XXXX For safety and privacy reasons, I do not feel comfortable speaking on the phone. Therefore, I request that all future correspondence be sent in writing to the following address : XXXX SR XXXX, XXXX XXXX, PMB # XXXX, XXXX, GA XXXX Action Requested To resolve this matter, I request the following : Immediate removal of all alleged late payments associated with this account from my credit report. 
Proper validation of the alleged debt as required under 15 U.S.C. 1692g. 
The requested forensic accounting documentation for the accounts in question. 
Written confirmation that the late payment entries have been removed and that no further adverse information will be reported regarding this account. 
Failure to comply with my requests will result in me filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory agencies. I also reserve the right to pursue all legal remedies, including filing a lawsuit for violations of the FCRA, FDCPA, and other applicable laws. 

Please provide a written response to this dispute within 30 days as required by law. I expect full compliance and cooperation in resolving this matter promptly. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief