Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14510946
Complaint Overview
Complaint ID: 14510946
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: New York
ZIP Code: 11238
Date Received: 2025-07-07T12:00:00-05:00
Date Sent to Company: 2025-07-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
American Express is reporting a charged-off account with a balance of {$2400.00} on my credit reports, despite the account having been closed since XX/XX/XXXX. The account continues to show recent activity and verification dates from XXXX XXXX XXXX across XXXX XXXX XXXX XXXX, which raises serious concerns about the accuracy and legitimacy of the data being reported. I requested documentation to validate the debt, including the original signed agreement and a detailed breakdown of the balance, but I have not received any such information. The company also failed to explain why the dates of last activity, status, and comments are inconsistent across the credit bureaus. This lack of response violates my rights under the Fair Credit Reporting Act ( FCRA ) 611 and the Fair Debt Collection Practices Act ( FDCPA ). I have disputed this account with the credit reporting agencies, and despite the lack of verification or proof, the company continues to mark the account as verified. I believe this is a violation of my consumer rights and reporting obligations.
Frequently Asked Questions
What is Complaint #14510946 about?
Complaint #14510946 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 2025-07-07T12:00:00-05:00.
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.