Debt collection -- Written notification about debt -- Complaint #4571655
Complaint Overview
Complaint ID: 4571655
Company: American Express Company
Product: Debt collection
Sub-Product: Other debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: California
ZIP Code: XXXXX
Date Received: 2021-07-24T12:00:00-05:00
Date Sent to Company: 2021-07-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I tried to send AMEX a letter last XX/XX/2021 asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which AMEX is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. I never received any response from them and they did not update the credit report as disputed. AMEX is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA, CCRAA and XXXX FDCPA. I have attached a copy of CFPB Mandate on Removing Items on Credit Report.
Frequently Asked Questions
What is Complaint #4571655 about?
Complaint #4571655 was filed against American Express Company regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2021-07-24T12:00:00-05:00.
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 (Debt collection) 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.