Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #4711148
Complaint Overview
Complaint ID: 4711148
Company: American Express Company
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: California
ZIP Code: 926XX
Date Received: 2021-09-10T12:00:00-05:00
Date Sent to Company: 2021-09-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Name : XXXX XXXX Last 4 SS : XXXX Creditor : American Express Credit Bureau : XXXX On Saturday XX/XX/2021, I called American Express to inquire whether requesting a credit line increase would result in a hard pull on my credit report. I was advised it would not. I then used American Express 's online portal to submit a credit line increase. The system gave me an error, so I called American Express again, and they submitted it on their end. I was advised the system was having an error, and I should try again in a few hours. I was told no request had been submitted, and there would be no negative impact on my account or credit. I tried again that evening and received the same error. On Tuesday XX/XX/2021, I received seven emails from American Express ( all with different reference numbers ) informing me that a " We've made a decision regarding your request. '' I contacted American Express, was told that the requests went through, only one had been considered, there was no hard inquiry, and the result of the request would be mailed to me. On Thursday XX/XX/2021, I received an email from XXXX XXXX informing me that there had been a hard inquiry on my account on XX/XX/2021. I immediately contacted American Express, who informed me they had no record of a hard inquiry. The next day, XX/XX/2021, I contacted XXXX, who informed I needed to contact American Express to obtain a removal letter. Once I contacted American Express, I was triaged to a team that informed me that their system " had a glitch '' on Saturday XX/XX/2021, that multiple ( 7 ) requests were submitted under my name, only one was ultimately considered, and they had pulled from my XXXX account. This doesn't align with the information provided to me because American Express already informed me on Tuesday XX/XX/2021 that they had reached a decision. Thus, there was no open application on XX/XX/2021. In addition, American Express representatives had guaranteed that there would be no hard inquiry on my credit.
Frequently Asked Questions
What is Complaint #4711148 about?
Complaint #4711148 was filed against American Express Company regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2021-09-10T12:00:00-05:00.
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, credit repair services, 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.