Consumer complaint received 2025-09-18 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: NV

Complaint narrative:
XXXX XXXX XXXX  3 LATE PAYMENTS Credit usage 100 % Balance {$500.00} Balance updated XX/XX/year> Credit limit {$300.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/year> Account type Credit card Payment summary 2025 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Open. {$190.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> Past due amount {$190.00} Highest balance $ 507 Monthly payment {$57.00} Last payment date XXXX XXXX, XXXX  Additional info XXXX XXXX XXXX XXXX sold Original creditor Comments Your statement Contact info Address XXXX, XXXX Phone number ( XXXX ) XXXX XXXX  XXXX XXXX LATE PAYMENTS Credit usage 100 % Balance {$310.00} Balance updated XX/XX/year> Credit limit {$300.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/year> Account type Credit card Payment summary XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Open. {$100.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> Past due amount {$100.00} Highest balance $ 312 Monthly payment {$25.00} Last payment date XXXX XXXX, 2025 Additional info Responsibility Individual Terms Company sold Original creditor Comments Your statement Contact info Address XXXX  XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX PAYMENTS Credit usage 100 % Balance {$690.00} Balance updated XX/XX/year> Credit limit {$500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/year> Account type Credit card Payment summary XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Open. {$80.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> Past due amount {$80.00} Highest balance $ 698 Monthly payment {$40.00} Last payment date XXXX XXXX, XXXX  Additional info Responsibility Individual Terms Company sold Original creditor Comments Your statement Contact info Address XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX LATE PAYMENTS Credit usage 100 % Balance {$690.00} Balance updated XX/XX/year> Credit limit {$500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/year> Account type Credit card Payment summary 2025 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Open. {$80.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> Past due amount {$80.00} Highest balancXXXX XXXX XXXX XXXX payment {$40.00} Last payment date XXXX XXXX, XXXX  Additional info Responsibility Individual Terms Company sold Original creditor Comments Your statement Contact info Address XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX LATE PAYMENTS Credit usage 100 % Balance {$690.00} Balance updated XX/XX/year> Credit limit {$500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/year> Account type Credit card Payment summary XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Open. {$80.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> Past due amount {$80.00} Highest balance XXXX XXXX  Monthly payment {$40.00} Last payment date XXXX XXXX, XXXX  Additional info Responsibility Individual Terms Company sold Original creditor Comments Your statement Contact info Address XXXX, XXXX Phone number ( XXXX ) XXXXXXXX XXXX  XXXX LATE PAYMENTS Credit usage 100 % Balance {$690.00} Balance updated XX/XX/year> Credit limit {$500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/year> Account type Credit card Payment summary XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Open. {$80.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> Past due amount {$80.00} Highest balance XXXX XXXX XXXX payment {$40.00} Last payment date XXXX XXXX, XXXX  Additional info Responsibility Individual Terms Company sold Original creditor Comments Your statement Contact info Address XXXX, XXXX Phone number ( XXXX ) XXXX XXXX  XXXX XXXX XXXX  XXXX LATE PAYMENTS Credit usage 100 % Balance {$710.00} Balance updated XX/XX/year> Credit limit {$500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/year> Account type Credit card Payment summary XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Closed. {$120.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> Past due amount {$120.00} Highest balance XXXX XXXX Monthly payment {$36.00} Last payment date XXXX XXXX, XXXX  Additional info XXXX XXXX XXXX XXXX sold Original creditor Comments Account closed at credit XXXX 's request Your statement Contact info Address XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX PAYMENTS Credit usage 100 % Balance {$2800.00} Balance updated XX/XX/year> Credit limit {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/year> Account type Credit Card Payment summary 2025 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Closed. {$290.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> Past due amount {$290.00} Highest balance {$2800.00} Monthly payment {$130.00} Last payment date XXXX XXXX, XXXX  Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX LATE PAYMENTS Credit usage 100 % Balance {$970.00} Balance updated XX/XX/year> Credit limit {$700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/year> Account type Credit card Payment summary 2025 XXXX - XXXX - XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Closed. {$330.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> Past due amount {$330.00} Highest balance XXXX XXXX XXXX  payment {$93.00} Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX, XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation