Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
After speaking with XXXX, XXXX and XXXX about ways to improve my credit score and credit card approvals, the one fact each of these agency repeated was only that I would need to speak directly with credit furnishing companies. 

I have spoke to all credit furnishing companies regarding my accounts between XX/XX/XXXX, XXXX, XXXX, and XXXX XXXX, between XXXX and XXXX XXXX XXXX the shortest call was 98 minutes, the longest call was 188 minutes, the number one and only response reported to me by the credit furnishes was that I would need to speak with the credit reporting agencies.

Does this mean that some party is withholding information? 

Are any of these companies depriving me of information? 

Which companies are being willfully negligent? 

Which parties are being willfully non-compliant? 

Could any of these companies be working to assist one another of the same to hinder, coerce, restrict resist, suppress, or deprive in any way from receiving any and all rights, benefits, privileges, as provided by the constitution of the United States of America, the bill of rights, and or constitution of state intestate or that would normally be offers to a state national or other citizen? 

What actions should be taken because all the aforementioned agencies engaged in verbal abuse without my express voluntary written consent? During each contact with any and all agencies Ive communicated facts where there arose a conflict in which the facts I told, which to the best of my knowledge, according to the laws I was reading word for word, were contested, told I was wrong, that I could not be helped because they already had given me the information. Upon asking about weather late payments or charge offs, or not enough paid as agreed accounts, were general information or specific information, I was met with both answers either being general or specific. I offered why these were general factors, like payments, how late? So I said I needed specific information why I was denied? Was told that this information had already been given. 

These companies are either not familiar with policies, not familiar with the law, arent taught the proper procedures or simply what I have reason to the nature and cause is that no companies are in accordance with laws and or policies. 

I can list a few of the violations I have repeatedly witnessed and experienced. 

Abuse of authority, abuse of due process, XXXX XXXX XXXX XXXX XXXX XXXX coercion or attempt to coerce, concealment, conspiracy, counterfeiting statute staple securities instruments, XXXX XXXX XXXX XXXX, denial of due process, deprivation of property and rights, disrespect, encroachment, failure to identify, failure to respond, ignore, oppressive government, reckless endangerment and racketeering, just to name a few, many more etc Attached are the many ways of payments which we are allegedly to not have paid debts, yet upon application submission there is collateral. 

If an account is 90 days late, a security insured account is paid a second time. 

Upon selling to a 3 rd party debt collector or recovering payments of debts, these companies are paid 3 times and yet offer no value whatsoever at any point in time. 

What is the nature and cause of such unfair and unconscionable actions?

Company response to consumer: Closed with explanation