Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13100869
Complaint Overview
Complaint ID: 13100869
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 status incorrect
State: Florida
ZIP Code: 33018
Date Received: 2025-04-21T12:00:00-05:00
Date Sent to Company: 2025-04-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Consumer Financial Protection Bureau ( CFPB ) Subject : Dispute of Inaccurate Late Payment Reporting by American Express Account Ending in : XXXX Dear CFPB Representative, I am writing to formally respond to American Expresss communication dated XX/XX/XXXX, regarding their reporting of 30-day late payments on my account ending in XXXX. While I acknowledge enrollment in the Financial Relief Program ( FRP ) on XX/XX/XXXX, I dispute the manner and basis on which the account was reported delinquent during the months of XX/XX/XXXX to XX/XX/XXXX. Here are the key points of my dispute : 1. Program Enrollment Should Have Suspended Negative Reporting : The purpose of enrolling in a financial hardship program, particularly one initiated by the creditor, is to offer relief and support during difficult timesnot to continue or initiate derogatory credit reporting. Upon enrollment, American Express had an opportunity to work with me constructively. Instead, the account was marked as 30 days late continuously, even after the FRP was in effect. This defeats the intent of financial relief and may be viewed as punitive. 2. Failure to Provide Adequate Notice or Options Prior to Reporting : I did not receive sufficient and timely warning that my account would continue being reported late after entering the FRP. Any reporting of negative activity during this time may be considered misleading under the Fair Credit Reporting Act ( FCRA ), particularly if no new delinquency occurred post-enrollment. 3. Good Faith Efforts to Comply : I made a good faith effort to address my financial obligations through the FRP, which American Express approved. Continuing to report late payments after accepting me into a relief program contradicts both the spirit and expected function of such programs. 4. Request for Fair Resolution : I respectfully request that the CFPB re-examines American Expresss justification and encourages them to either remove the late payments reported during the FRP period ( XX/XX/XXXX to XX/XX/XXXX ) or update the record to show Paying under Financial Assistance Plan in line with updated XXXX XXXX credit reporting guidelines for accounts in hardship arrangements. Please consider this formal complaint and assist in ensuring fair and accurate credit reporting as required by the FCRA and the principles of consumer protection. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #13100869 about?
Complaint #13100869 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 2025-04-21T12:00:00-05:00.
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.