Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15340420
Complaint Overview
Complaint ID: 15340420
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: 482XX
Date Received: 2025-08-17T12:00:00-05:00
Date Sent to Company: 2025-08-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
CFPB Complaint Narrative American Express Fraudulent Accounts I am a victim of identity theft. Fraudulent accounts were opened with American Express in my name without my knowledge or authorization. These accounts include : - American Express XXXX - American Express XXXX Opened up first in XX/XX/year> I never applied for or consented to these accounts. As soon as I discovered them, I filed an FTC Identity Theft Report and a police report to document the fraud. I also provided American Express with dispute letters, copies of my government-issued ID, and proof of my current address. Despite this, these fraudulent accounts remain associated with my credit file and are still being reported to the credit bureaus. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I have the legal right to have all fraudulent information blocked from my credit reports within four business days of submitting proof of identity theft. Additionally, under the Fair Credit Billing Act ( FCBA ), I am not liable for any charges or balances on accounts created or used fraudulently. I request that the CFPB ensure American Express : 1. Immediately acknowledges these accounts as fraudulent. 2. Ceases all collection efforts related to them. 3. Stops furnishing these accounts to the credit bureaus. 4. Provides me with written confirmation that the accounts have been closed as fraudulent. I have attached the following supporting documents : - FTC Identity Theft Report - Police Report - My dispute letters to American Express - Government-issued ID and proof of address This matter has caused significant harm to my credit and financial reputation. I am asking the CFPB to hold American Express accountable for properly investigating and removing these fraudulent accounts from my record
Frequently Asked Questions
What is Complaint #15340420 about?
Complaint #15340420 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 2025-08-17T12:00:00-05:00.
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.