Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
This complaint concerns American Express XXXX XXXX  repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 605B, 611 ( a ) ( 5 ) ( B ), and 623 ( a ) ( 6 ) / ( b ).

Despite receiving every legally required identity-theft document and even their own completed fraud form, American Express continues to furnish and verify a fraudulent account on my XXXX  and XXXX  credit files. Their only defense is an unsupported claim that payments were made from a XXXX XXXX  account, which has never been proven or documented. 

Amexs repeated refusal to delete or block this account, despite full compliance on my part, constitutes willful and negligent non-compliance with the FCRA. 
XXXX XXXX XXXX. XX/XX/XXXX The fraudulent American Express account ending in XXXX was deleted from my Experian report after I submitted an identity-theft dispute and supporting documentation. 

XXXX. XX/XX/XXXX The same account was illegally reinserted into my credit reports without certification or notice, violating FCRA 611 ( a ) ( 5 ) ( B ). 

XXXX. XX/XX/XXXX I again provided my FTC Identity Theft Report, state ID, and proof of address ; Experian deleted the account for the second time. 

XXXX. XXXX XXXX The same account was reinserted again on XXXX  and XXXX. Amex claimed the account belongs to me because of alleged payments from a XXXX account but has never provided documentary proof such as an original signed application, verified IP/device data, or authenticated payment authorization linking me personally to this account. 

XXXX. XX/XX/XXXX I mailed American Express Fraud Operations a certified fraud packet that included : The American Express Fraud Form provided by them, completed and signed, A copy of my state-issued photo ID, and A copy of my police report. 
USPS confirmed certified delivery. 

XXXX. XX/XX/XXXX After receiving no response, I faxed American Express a Notice of Non-Compliance under FCRA 605B, formally advising them of their failure to block or remove the account. The fax was successfully transmitted and confirmed. 

XXXX. XX/XX/XXXX Present Despite both the certified fraud packet and the faxed Notice of Non-Compliance, Amex has ignored its legal obligations and continues to report the fraudulent account to XXXX  and XXXX. 

Violations Alleged XXXX. FCRA 605B ( c ) : Failure to instruct the credit bureaus to block the fraudulent account within 4 business days of receiving complete identity-theft documentation. 
XXXX. FCRA 623 ( a ) ( 6 ) : Continued furnishing of information known to result from identity theft after receipt of an identity-theft report. 
XXXX. FCRA 611 ( a ) ( 5 ) ( B ) : Illegal reinsertion of the deleted account without proper certification or written notice to me. 
XXXX. FCRA 623 ( b ) : Failure to conduct a reasonable investigation ; reliance only on a generic, unsupported claim about payments from a XXXX account. Under 623 ( a ) ( 6 ) and 623 ( b ), assertions without verifiable evidence do not satisfy a furnishers duty to investigate or confirm account ownership.

I have complied fully with all identity-theft procedures required under federal law. American Express has received its own fraud form, a police report, and government ID yet continues to verify and furnish this fraudulent account. Their repeated XXXX payments defense is unsubstantiated and fails to meet their obligations under the FCRA. I respectfully request CFPB enforcement to compel American Express to permanently delete and block this account from all consumer reports. 

Damages and Relief Sought American Expresss continued willful noncompliance with the FCRA has caused me measurable and documented harm, including but not limited to : Credit score damage resulting in higher interest rates and credit denials, Emotional distress and time lost repeatedly disputing and providing documentation, Out-of-pocket expenses for certified mailings, notarizations, and filing fees, Loss of financial opportunity due to inaccurate and fraudulent reporting.

Under FCRA 616 ( willful noncompliance ) and 617 ( negligent noncompliance ), I am requesting monetary compensation to remedy these damages. 

I am seeking a minimum of {$20000.00} in compensatory relief, representing actual and statutory damages for repeated violations, plus any additional restitution deemed appropriate by the Bureau.

Company response to consumer: Closed with explanation