Consumer complaint received 2025-07-06 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: KS

Complaint narrative:
Subject : American Express Reporting Inaccurate Account Not Listed on Any Credit Bureau Request for Removal and Damages Under FCRA XXXX and XXXX Company : American Express Product : Credit Card Issue : Incorrect information on credit report Consumer Complaint Narrative : I am submitting this formal complaint against American Express regarding a credit card account, partial account number XXXX, which continues to appear in my American Express XXXX app and internal account profile, even though it has been removed from all three major credit reporting agenciesExperian, Equifax, and TransUnionas of todays date. 
In support of this complaint, I have submitted all necessary identifying and supporting documents, including a copy of my government-issued photo ID, Social Security card XXXX proof of address via verified mail, a signed and notarized FTC Identity Theft Affidavit declaring the American Express account in question as unauthorized or related to identity theft, current copies of all three bureau reports showing the account has been deleted, and a screenshot from my American Express app clearly displaying that the account remains visible and active internally. 
Under the Fair Credit Reporting Act ( XXXX  ), American Express is required to block and cease the use of any account that has been identified as fraudulent or the result of identity theft, once the proper documentation is provided, in accordance with XXXX [ XXXX U.S.C. XXXX ]. Furthermore, under XXXX [ XXXX U.S.C. XXXX ], I have the right to request a reinvestigation of disputed information and to have unverifiable or false data removed. American Express continued retention and display of this accountdespite its removal by all three credit bureaus and my submission of full supporting documentationdemonstrates either a refusal or failure to comply with these FCRA obligations. 
This situation has caused me significant emotional distress, concern over my data privacy, and hesitation to move forward with future credit applications, due to the possibility that American Express may still use this incorrect or disputed information in its internal decision-making processes. I believe this conduct constitutes willful noncompliance under FCRA XXXX [ XXXX U.S.C. XXXX ] and/or negligent noncompliance under FCRA XXXX XXXX XXXX U.S.C. XXXX ]. 
Therefore, I am requesting that American Express permanently delete the account from its internal records and ensure it is removed from all online and mobile app access. I am also requesting a written confirmation that the account has been purged from all systems and will not be referenced in any future credit decisions or retained in any form. Furthermore, I am seeking monetary damages in the amount of {$1000.00} for the distress, harm, and violation of my rights under federal law. 
Please confirm receipt of this complaint and provide a full written response outlining the actions taken to resolve this matter.

Company response to consumer: Closed with non-monetary relief