Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5144275
Complaint Overview
Complaint ID: 5144275
Company: American Express Company
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Investigation took more than 30 days
State: Florida
ZIP Code: 33127
Date Received: 2022-01-24T12:00:00-05:00
Date Sent to Company: 2022-01-24T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX is failing to reflect 4 American Express credit cards that I am individually responsible for, despite connecting my American Express account to their " boost '' program and submitting additional paperwork from American Express that reflects at least one of my accounts has been open for over 16 years. XXXX and XXXX have no issue reporting these credit lines. I opened a dispute with XXXX to resolve this problem. XXXX suggested I contact American Express, which I did. American Express provided me with a formal letter reflecting at least one of my accounts was open and in good standing since 2006. I uploaded this document along with recent account statements directly to XXXX on XXXX. American Express claimed they were going to " re-send '' my credit data to XXXX but that this process might take 60 days. I am seeking a mortgage and my closing date is well before 60 days. As noted above, I linked my American Express account with XXXX 's boost program, which uses a third party to search my credit cards for utilities and other bills. XXXX was able to access my account and see all 4 credit cards, but still fails to report the actual cards and my regular monthly payment of the balances due on my credit report. It has been over 30 days since I began asking XXXX to investigate this issue and thus far my accounts are still not reflected. I call every 72 business hours and am assured that the issue is being " looked into '' by the Data department.
Frequently Asked Questions
What is Complaint #5144275 about?
Complaint #5144275 was filed against American Express Company regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2022-01-24T12:00:00-05:00.
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, 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.