Credit card -- Incorrect information on your report -- Complaint #17968455
Complaint Overview
Complaint ID: 17968455
Company: American Express Company
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Florida
ZIP Code: 32725
Date Received: 2025-11-26T12:00:00-05:00
Date Sent to Company: 2025-11-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
* * FRAUD & ID THEFT DISPUTE DEMAND FOR ACCOUNT BLOCK, DELETION & VALIDATION ( FCRA 605B, 609 ( e ) ; FDCPA 809 ; FACTA ) * * Date : [ Insert Todays Date ] Consumer : XXXX XXXX Address : XXXX XXXX XXXX, XXXX FL XXXX CFPB Ref Nos : XXXX, XXXX, XXXX Account Numbers : XXXX, XXXX, XXXX Account Ending : XXXX To Whom It May Concern : This letter is a formal fraud dispute regarding the above-referenced account ( s ). I did not open, authorize, or benefit from any account ending in XXXX or any of the XXXX XXXX reference numbers. I am disputing this account as identity theft and fraud. Your recent CFPB response states you " can not respond because the account is in litigation. '' That is not an acceptable response and violates federal law. 1. This Is Identity Theft FCRA 605B ( Fraudulent Account Blocking ) Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally requiredregardless of litigation statusto : Block the fraudulent account from all credit bureaus Cease all collection activity Provide copies of all documentation related to the fraud Stop reporting the account immediately Litigation does not exempt you from compliance with 605B. 2. FCRA 609 ( e ) Required Fraud Documentation Disclosure Under 15 U.S.C. 1681g ( e ), you must provide, within 30 days, all documents requested relating to the fraudulent account, including : The original application Any signed contract All documents used to open the account IP addresses, device IDs, timestamps Payment history All internal fraud-related notes If you claim I opened this account, you must provide proof. 3. FDCPA 809 ( b ) Debt Must Be Ceased Until Validated Because this account is disputed as fraud : All collection activity must stop You must provide full validation You can not continue to pursue litigation until the debt is validated Failure to do so is a violation of federal law. 4. Your CFPB Response Is a Violation Your letter stating : We are unable to respond because the account is in litigation. is a violation of : FCRA 605B ( fraud dispute must be addressed ) FDCPA 809 ( b ) ( disputed debt must be validated ) FCRA 611 ( reinvestigation is required ) Being in litigation does not relieve you of your legal obligations. 5. Formal Demands I am demanding the following : A. Immediate Blocking & Removal Block this account with all bureaus under FCRA 605B. B. Cease Litigation Until Validation Under FDCPA 809 ( b ), you may not pursue court action on a disputed, unvalidated debt. C. Provide Required Fraud Documentation Send all documents required under FCRA 609 ( e ). D. Provide Written Confirmation I need written confirmation that : The account has been blocked Reporting has stopped All collection activities have ceased All references to litigation have halted until validation is complete 6. Notice of Rights & Escalation If these demands are not met, I will escalate the matter to : CFPB FTC Florida Attorney General Volusia County Clerk of Court ( to notify the judge of identity theft ) I will also request sanctions for pursuing a fraudulent account during active fraud disputes. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Frequently Asked Questions
What is Complaint #17968455 about?
Complaint #17968455 was filed against American Express Company regarding Credit card specifically about Incorrect information on your report. It was received by the CFPB on 2025-11-26T12:00:00-05:00.
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 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.