Debt collection -- Attempts to collect debt not owed -- Complaint #10429260
Complaint Overview
Complaint ID: 10429260
Company: American Express Company
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Florida
ZIP Code: 330XX
Date Received: 2024-10-11T12:00:00-05:00
Date Sent to Company: 2024-10-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Subject : Formal Dispute - Unauthorized Furnishing and Access to My Credit Information Dear Sir/Madam , I am writing to formally dispute the reporting and/or obtaining of my personal credit information by your agency without my written consent, as outlined under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ). I have identified the following accounts on my credit report, which I have not authorized : Creditor Name : American Express - General Inquiries Account Number : XXXX Creditor Name : American Express - General Inquiries Account Number : XXXX According to the FCRA, credit reporting agencies are required to have explicit written authorization to furnish or obtain an individual 's credit information. I have never provided such authorization, and I believe that your agency has either furnished my credit report to third parties or accessed it in violation of these requirements. Please investigate this matter and provide me with documentation showing the written authorization that you claim allows you to furnish or obtain my credit information. If no such authorization exists, I respectfully demand that you : Immediately cease any unauthorized furnishing or access to my credit information. Delete any entries or information that were furnished or obtained without my consent. Send me a confirmation of your actions regarding the deletion or correction of my credit report. Additionally, I request that you send a copy of the updated credit report reflecting these changes. Under 15 U.S.C. 1681, you are required to investigate and resolve this matter within 30 days. If this matter is not corrected, I will consider pursuing legal action to enforce my rights under the FCRA. Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #10429260 about?
Complaint #10429260 was filed against American Express Company regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2024-10-11T12:00:00-05:00.
How did American Express Company respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against American Express Company?
Yes, visit the American Express Company company profile at readthecomplaint.com/company/american-express-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.