Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I am filing a formal complaint against XXXX  for their ongoing failure to conduct a reasonable investigation as required by federal law concerning fraudulent accounts and negative tradelines reported by American Express, XXXXXXXX XXXX, and XXXX XXXX. These companies continue to report derogatory information on my credit profile despite clear documentation and identity theft reports filed with federal agencies. 

Summary of the Complaint : Failure to Conduct a Reasonable Investigation : XXXX has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information. Despite multiple disputes, XXXX has continued to allow fraudulent accounts to remain on my credit report. 

Failure to Acknowledge Identity Theft Reports : I have submitted FTC Identity Theft Reports, police reports, and documentation consistent with FCRA 605B, which obligates CRAs to block fraudulent information within XXXX business days upon receipt of : A valid identity theft report Proof of identity A statement from the consumer identifying the fraudulent items XXXX  is falsely claiming they never received the identity theft report, even though it was properly filed and delivered. This is a violation of 15 U.S.C. 1681c-2 ( FCRA 605B ). 

Violation of Consumer Protection Laws : XXXX XXXX failure to act constitutes : Negligence in protecting my personal and business information Failure to protect consumer data under state and federal breach notification laws Obstruction of consumer rights under FCRA and potentially the Consumer Financial Protection Act ( XXXX ) of XXXX Ongoing Harms Due to Data Breaches : I have been a confirmed victim of the following data breaches : XXXX XXXX XXXX XXXX  XXXX breach XXXX XXXX XXXX  breach These breaches have led to my personal and business identity being used to open unauthorized accounts. Despite knowledge of this exposure, XXXX has continued to allow harmful reporting from American Express, XXXXXXXX XXXX and XXXX XXXX all without validating whether the debts are legitimate or linked to a verified identity theft claim. 

Violation of IRS and FTC Filings : I have also filed identity theft claims with the IRS for both my : Personal identity : XXXX XXXX ( XXXX ending in XXXX ) Business : XXXX XXXX XXXX XXXX XXXX ( ending in XXXX ) XXXX has failed to coordinate or acknowledge the federal filings from either the FTC or the IRS, further compounding the damage. 

Failure to Provide Investigation Results : XXXX  has failed to supply any documentation, detailed findings, or outcome of the disputes. This is another violation of FCRA 15 U.S.C. 1681i ( a ) ( 6 ) which requires the CRA to provide written results of the reinvestigation and a copy of the consumer report upon completion.

Company response to consumer: Closed with non-monetary relief