Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13101423
Complaint Overview
Complaint ID: 13101423
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: Indiana
ZIP Code: 475XX
Date Received: 2025-04-21T12:00:00-05:00
Date Sent to Company: 2025-04-21T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against American Express due to a false late payment being reported to the credit bureaus despite their acknowledgment that the charge was made in error. On XX/XX/year>, I contacted American Express regarding a late payment and interest fee that appeared on a card that had been closed. The representative reviewed my account and confirmed that the charges were applied in error, and they issued a refund for the late fee and interest in the amount of {$72.00}. I was specifically told that the late payment would not be reported to the credit bureaus. However, I recently received an alert that the late payment was reported, which caused my credit score to drop by over XXXX points. This directly contradicts what I was told by their representative and is causing significant harm to my credit standing. I am requesting that American Express immediately contact XXXX XXXX, and XXXX to have this inaccurate late payment removed from my credit report and that I receive written confirmation once it is corrected. I have documentation showing the refunded charges and Amex 's acknowledgment of the mistake. Below you will find the balance of XXXX showing the refund had been issued.
Frequently Asked Questions
What is Complaint #13101423 about?
Complaint #13101423 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 non-monetary relief". 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.