Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5876152
Complaint Overview
Complaint ID: 5876152
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: Reporting company used your report improperly
State: Maryland
ZIP Code: 20876
Date Received: 2022-08-13T12:00:00-05:00
Date Sent to Company: 2022-08-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/2022 Dear XXXX, XXXX and XXXX l, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. Account Name : AMEX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy. 15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 2. Account Name : XXXX Account Number : XXXX xxxx XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy. 15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 3. Account Name : XXXX XXXX / XXXX Account Number : XXXX XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy. 15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #5876152 about?
Complaint #5876152 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 2022-08-13T12:00:00-05:00.
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.