Credit card -- Incorrect information on your report -- Complaint #14029795
Complaint Overview
Complaint ID: 14029795
Company: American Express Company
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Florida
ZIP Code: 32822
Date Received: 2025-06-11T12:00:00-05:00
Date Sent to Company: 2025-06-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing the accuracy and fairness of the information reported on my American Express credit card account ( ending in XXXX ). The account is listed as Closed with a {$69.00} past-due amount and a {$750.00} balance as of XX/XX/2025. I strongly contest this status for the following reasons : 1. Lack of Notice : I was never properly notified of a past-due balance, missed payments, or that the account would be closed. I did not receive any clear billing statements or final notices explaining this outcome. 2. No Communication : I attempted to resolve the matter directly with American Express but was either unable to reach a resolution or did not receive a response that addressed my concerns. My efforts to clarify or settle any outstanding amounts were ignored or left unresolved. 3. Financial Hardship : During this period, I was experiencing financial hardship and would have appreciated the opportunity to work out a payment plan or receive temporary relief. I was not offered any hardship options or informed that one was available. 4. FCRA Violation : Under the Fair Credit Reporting Act ( FCRA ), I have a right to accurate, complete, and timely reporting. Reporting a closed account with a past-due balance without properly validating or notifying me is unfair and has caused damage to my credit profile. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and require American Express to provide : Full validation of the debt ( with statements or transaction history ) Explanation of how and when the account was closed Evidence that I was properly notified If American Express is unable to provide this documentation, I am requesting that the inaccurate information be corrected and removed from all credit reports.
Frequently Asked Questions
What is Complaint #14029795 about?
Complaint #14029795 was filed against American Express Company regarding Credit card specifically about Incorrect information on your report. It was received by the CFPB on 2025-06-11T12:00:00-05:00.
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 card) 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.