Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14245321
Complaint Overview
Complaint ID: 14245321
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: Michigan
ZIP Code: 48227
Date Received: 2025-06-23T12:00:00-05:00
Date Sent to Company: 2025-06-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am a victim of identity theft. I submitted a notarized FCRA 605B dispute to American Express on XX/XX/year>, regarding a fraudulent account ( Account # XXXX ) for {$18000.00} that was opened without my knowledge or authorization. This dispute included : - A government-issued ID - FTC Identity Theft Report # XXXX - Proof of address - A signed fraud statement - Police report from XXXX XXXX XXXX Report # XXXX ) Per the Fair Credit Reporting Act ( FCRA ) XXXX, American Express is required to block this fraudulent information from all consumer reporting systems within * * 4 business days * * of receipt. They have failed to comply, and the account remains active and continues to damage my credit report and financial integrity. I have received no confirmation that the fraudulent tradeline has been blocked or removed. This failure is a violation of federal law. I am requesting the CFPB take immediate action to ensure : 1. The fraudulent AMEX account is permanently blocked from my credit file 2. American Express ceases all collection and reporting activity 3. Written confirmation is sent verifying these actions I am prepared to seek relief under FCRA 616617 for damages due to willful noncompliance.
Frequently Asked Questions
What is Complaint #14245321 about?
Complaint #14245321 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 2025-06-23T12:00:00-05:00.
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.