Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
To whom it may concern : I am writing to demand verification and validation of the alleged debt referenced above under the Fair Debt Collection Practices Act 15 U.S.C 1692C you have violated my rights by unlawful communications and please remove this collection from all my credit reports. I DISPUTE this debt in full and demand that you immediately provide the following information and documentation substantiating your claim that I owe this debt : The amount of the alleged debt, shown with a complete itemization of principal, interest, fees, and date each charge was added.

A copy of the original contract, agreement, or signed writing that you claim I signed or agreed to. 
The name and address of the original creditor ( if different ). Provide account numbers used by the original creditor.

A full accounting showing how you calculated the balance you claim I owe and the date of last payment.

A complete chain of assignment and copies of all written assignments, bills of sale, or transfer documents demonstrating how this account came to be in your possession. Include the names, addresses, and phone numbers of all prior owners/collectors.

If you assert a judgment exists, produce a true and certified copy of the judgment and proof of its date of entry and county/state where filed.

Proof that you are licensed to collect this debt in [ your state ], including your collector license number ( s ). 
Proof that you possess the right to collect this debt ( power of attorney, contract, or written authorization ). 
Copies of any written communications allegedly sent to me ( with dates ) and proof of delivery. 
A copy of any documents or evidence you rely on that prove I am responsible for this debt ( including signed contracts or other proof of my liability ). 
Because I am disputing this debt in writing within the legally required period, you must cease all collection activities ( including phone calls, letters, and reporting to credit bureaus ) until you provide the requested verification. If you have reported this account to any consumer reporting agency, you must notify them that the debt is disputed and request that they place any reporting on hold until you verify the debt. 
I expect your written response with the requested documentation within 30 days of your receipt of this letter. If you can not provide full and verifiable proof of your claim within that time, you must immediately ( 1 ) stop all collection activity, ( 2 ) remove or correct any derogatory reporting to any credit reporting agency, and ( 3 ) notify me in writing that you have done so.

Be advised that if you continue collection activity, continue to contact me after receipt of this letter, or fail to provide the requested documentation, I will consider all available remedies, including filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, my state Attorney General, and pursuing all legal remedies available to me. I will also preserve my rights to seek damages, costs, and attorneys fees under applicable statutes. 
. 
Thank You! 
XXXX

Company response to consumer: Closed with non-monetary relief