Consumer complaint received 2025-05-05 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: MO

Complaint narrative:
American Express Attn : Fraud Department / Identity Theft Department Subject : Notice of Identity Theft and Request for Blocking of Fraudulent Accounts Dear Sir or Madam, I am writing to formally notify American Express that I am a victim of identity theft, which originated from the highly publicized XXXX data breach. As a result of this breach, numerous fraudulent accounts including credit cards, loans, and bank accounts have been opened in my name without my consent. My mail was also unlawfully redirected to another address, adding to the financial harm I have suffered. I am currently working hard to repair the damage to my credit. 

Upon reviewing my credit report, I noticed that one or more American Express credit card accounts are being reported in my name. I want to make it explicitly clear that these accounts do not belong to me and were fraudulently opened. 

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, any consumer reporting agency must block the reporting of information resulting from identity theft no later than four ( 4 ) business days after receiving : Appropriate proof of the consumers identity A copy of the identity theft report Identification of the disputed information by the consumer A statement from the consumer that the information is the result of identity theft and does not relate to any transaction they made While this section applies to credit reporting agencies, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information ( such as American Express ) are also prohibited from reporting information they know or have reason to believe is inaccurate. Under 15 U.S.C. 1681s-2 ( b ), upon receiving notice of a dispute from a credit reporting agency, furnishers are legally required to investigate the matter and correct or delete any fraudulent or inaccurate information. 

To support my request, I am enclosing the following documentation : A copy of my Identity Theft Report A utility bill showing my correct and current address A copy of my passport for identity verification Please be advised that failure to comply with the FCRA may result in civil liability under 15 U.S.C. 1681n and 15 U.S.C. 1681o, including : Actual damages or statutory damages between {$100.00} and {$1000.00} Punitive damages Attorneys fees and court costs If American Express fails to block and remove these fraudulent accounts from my credit report within the required four ( 4 ) business days, I will consider all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulators, as well as pursuing civil action. 

I trust that American Express will handle this matter swiftly and in compliance with the law. Please confirm in writing within four ( 4 ) business days that the fraudulent accounts have been blocked and removed from my credit report. 

Thank you for your immediate attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation