Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express reported two business credit card accounts as collection accounts on my personal consumer credit reports. These accounts were business accounts, not personal consumer credit accounts. In addition, I am actively disputing numerous unauthorized and inaccurate charges associated with these accounts, making the reported balances and collection status disputed and subject to investigation. Despite the ongoing disputes, American Express furnished negative collection information to consumer reporting agencies, and the credit bureaus continue to report the accounts on my personal credit reports. I have serious concerns regarding the accuracy, completeness, and verification of the information being reported. Pursuant to the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ), consumer reporting agencies and furnishers must maintain reasonable procedures to assure maximum possible accuracy of reported information and must conduct a reasonable investigation when information is disputed. I request that American Express and all credit bureaus provide : Documentation establishing the legal basis for reporting these business accounts on my personal consumer credit reports. Complete account records and payment histories. Proof that the reported balances and collection status are accurate. Copies of any investigation conducted regarding my disputes. The method of verification used to verify the accounts. Internal notes, records, and communications related to the disputed reporting. If American Express and the credit bureaus can not fully verify the accuracy and completeness of the reported information, the FCRA requires correction or deletion of the tradelines. Therefore, I request the immediate removal of these collection accounts from all consumer credit reports until the information can be properly verified through a reasonable investigation supported by competent documentary evidence. Current Status : Collection SUMMARY OF DISPUTE I am demanding the immediate deletion of this account from my consumer credit report because the information being reported is inaccurate, incomplete, misleading, and can not be properly verified under the Fair Credit Reporting Act ( " FCRA '' ). Furthermore, this is a business account, not a personal consumer account. Reporting a business obligation on a personal consumer credit file without complete and accurate verification creates a materially misleading credit profile and causes significant harm to my creditworthiness. In addition, I dispute the accuracy of the balance being reported and the multiple charges associated with this account. The amount claimed by the furnisher has not been adequately substantiated, and I have challenged certain transactions associated with the account. Therefore, the balance and collection status can not be considered accurate until a reasonable investigation has been completed. LEGAL BASIS FOR DISPUTE Under Section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, you are required to conduct a reasonable investigation when a consumer disputes the completeness or accuracy of information appearing on a credit report. Additionally, under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. Further, under 15 U.S.C. 1681s-2 ( b ), furnishers of information have a duty to investigate disputed information and correct, update, or delete information that can not be verified. My dispute includes, but is not limited to, the following : 1. The account is a business account and not a personal consumer account. 2. The reported collection status is disputed. 3. The reported balances of {$2200.00} and {$3200.00} are disputed. 4. Certain charges associated with this account are disputed and remain unresolved. 5. The reporting of this account on my personal consumer credit file may be inaccurate, incomplete, or misleading. 6. I request verification of the legal basis for reporting this business account on my personal consumer credit report. 7. I request verification of the amount claimed, including a complete account of how the balance was calculated. REQUEST FOR VERIFICATION Please provide competent documentary evidence supporting the reporting of this account, including : Original signed application or agreement bearing my signature. Documentation proving personal liability for the alleged debt. Complete payment history. Itemized accounting supporting the reported balance. Documentation supporting the collection status being reported. Documentation establishing that this business account is legally reportable on my personal consumer credit report. If you can not provide competent evidence verifying every aspect of the account, I demand immediate deletion of the tradeline pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). NOTICE OF RIGHTS If your investigation determines that the information can not be verified, is incomplete, or is inaccurate in any respect, the FCRA requires that the information be deleted or corrected promptly. Please provide me with : A copy of your investigation results. The name, address, and telephone number of every party contacted during the investigation. The method of verification is used to verify the account. Written confirmation of deletion if the account can not be verified. I expect compliance with all applicable provisions of the Fair Credit Reporting Act within the statutory investigation period. I certify under penalty of perjury that the information contained in this dispute is true and correct to the best of my knowledge. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Attachments : Copy of Government-Issued Identification Proof of Address Copy of Credit Report Highlighting Disputed Account Supporting Documentation Regarding Disputed Charges

Company response to consumer: Closed with explanation