Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Inaccurate, incomplete, and misleading information being reported on my credit report regarding my American Express account ending in XXXX. As of XX/XX/XXXX, this account was fully paid off, and this is accurately reflected within American Expresss own Credit Guide system. 

Attached you will find a screenshot ( dated XX/XX/XXXX ) from the XXXX portal showing this account is clearly listed as XXXX as of XX/XX/XXXX with a balance of {$4700.00}. Despite this, the account continues to be reported as delinquent as recently as XX/XX/XXXX, which is both false and damaging to my credit profile. 

I am submitting two further screenshots showing : XXXX Credit Utilization Inaccuracy : The AMEX account ending in XXXX continues to appear in the utilization section with no percentage applied ( marked N/A ), despite being paid off and closed. This is inaccurate and misleading, as it suggests an open balance that does not exist. The other paid XXXX XXXX XXXX XXXX ( XXXX ) account is still being shown inaccurately as well. 
XXXX. Account Overview Contradiction : My Account Overview shows three closed accounts ( all of which have been paid in full ), yet they are not properly classified as Paid Off or In Good Standing. Instead, the system reflects three derogatory markswhich is not only factually incorrect but also in direct violation of fair credit reporting obligations under the FCRA. 

As of XXXX, the XXXX XXXX XXXX XXXX XXXX accounts have been successfully removed from my credit file completely, although they should have been its finally been properly updated. The continued presence and false delinquency reporting of the American Express account is unjustified and must be resolved immediately. 

I have attached all relevant screenshots to support this dispute. One of the screenshots from the American Express XXXX XXXX website ( XXXX ), showing a section of a users Credit Report under the Accounts tab. Which clearly displays : Paid-Off Accounts All listed accounts are marked as Paid-Off, meaning the debts have been fully repaid. 
XXXX. XXXX XXXX XXXX XXXX XXXX : {$10000.00} Last updated : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : {$1400.00} Last updated : XX/XX/XXXX XXXX. American Express ( AMEX ) Balance : {$4700.00} Last updated : XX/XX/XXXX Inquiries Section Shows No Inquiries Made, which means there havent been any recent hard credit checks. 
In the screenshot youll see it shows a total of over {$17000.00} in debt that has been fully paid off. 
Screenshot pertaining to Payment History displays zero accounts in collection.

See following attached documentation to support complaint.

All previous documentation from AMEX or AMERICAN EXPRESS proves to be misleading & deceptive continuously reporting inaccurate & incomplete credit reports damaging my credit reputation hindering my credit score. Using unfair, oppressive, abusive practices.

I look forward to swift and proper resolution of this matter.

Company response to consumer: Closed with non-monetary relief