Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12527426
Complaint Overview
Complaint ID: 12527426
Company: American Express Company
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: New York
ZIP Code: 117XX
Date Received: 2025-03-17T12:00:00-05:00
Date Sent to Company: 2025-03-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern : I recently reviewed a copy of my ( XXXX, XXXX, and XXXX ) credit report and I noticed some late payments on there. Original Creditor : AMERICAN EXPRESS Account Number : XXXX Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give your company written permission to furnish these late payments on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the late payments from my consumer rep ort, this agency violates 15 USC 1681. Failure to respond satisfactorily with deletion of the above-referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n Best regards, XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #12527426 about?
Complaint #12527426 was filed against American Express Company regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-03-17T12:00:00-05:00.
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 (Credit reporting or other personal consumer reports) 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.