Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13189935
Complaint Overview
Complaint ID: 13189935
Company: American Express Company
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Illinois
ZIP Code: 60644
Date Received: 2025-04-25T12:00:00-05:00
Date Sent to Company: 2025-04-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Dear CFPB, I am writing to complain about a fraudulent account that has been reported to the credit bureaus by American Express ( AMEX ). This account was opened by an unauthorized individual without my consent, and I am extremely concerned about the impact this has had on my credit report and financial stability I first became aware of this fraudulent account in XX/XX/XXXX while reviewing my credit report. The account was opened in XX/XX/XXXX, and I have no prior knowledge or authorization of this activity. The total amount charged on this account is {$27000.00}, which I did not incur. Upon discovering the fraud, I contacted AMEX to dispute the account and reported it as fraudulent. Despite my efforts, including submitting a fraud alert and providing necessary documentation, the fraudulent account remains active on my credit report, severely affecting my credit score.
Frequently Asked Questions
What is Complaint #13189935 about?
Complaint #13189935 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 2025-04-25T12:00:00-05:00.
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.