Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8356071
Complaint Overview
Complaint ID: 8356071
Company: American Express Company
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: California
ZIP Code: 945XX
Date Received: 2024-02-15T12:00:00-05:00
Date Sent to Company: 2024-02-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My name is XXXX ; XXXX XXXX The Agent for principal XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. On XX/XX/XXXX. An unknown employee of American Express has continued to report negative information onto my consumer report. Dating back to XX/XX/XXXX a CFPB complaint was submitted for the same harassment complaint number XXXX. The repeated negative report today says " AMERICAN EXPRESS has flagged your account as charged off as bad debt with XXXX. Which may negatively impact your credit score based on XXXX data ''. PLEASE BE ADVISED. I AM AWARE THIS IS EXTORTION. If you disagree and feel this is not extortion. Please provide proof that gives you the right to report NEGATIVE information onto the consumer credit report. Also, please explain in detail what is the true purpose and reason for reporting NEGATIVE information onto the consumer report, when knowing the negative information reported will damage the reputation of the consumer with other " Creditors ''. I am requesting for lawful proof stating that NEGATIVE information can be reported. Not your companies policy saying you have to report NEGATIVE information, but the law.
Frequently Asked Questions
What is Complaint #8356071 about?
Complaint #8356071 was filed against American Express Company regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-02-15T12:00:00-05:00.
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 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.