Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9326074
Complaint Overview
Complaint ID: 9326074
Company: American Express Company
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Report provided to employer without your written authorization
State: California
ZIP Code: 91006
Date Received: 2024-06-22T12:00:00-05:00
Date Sent to Company: 2024-06-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
DEMAND For Deletion OF LISTED ITEMS/Per XXXX Privacy Act Also see ; XXXX XXXX XXXX XXXX 15 U.S. Code & 1681- Congressional findings ad statement of purpose ( 3 ) consumer reporting agencies have assumed a vital role... Consumer Relations Dept : THIS SHALL PROVIDE YOU FORMAL WRITTEN NOTICE of numerous violations of FCRA consumer law statute, regarding said personal private credit file. Per the FCRA, I am entitled to have a fair and accurate credit report. XXXX PRIVACY ACT, you have the right to privacy., 15 US code 1681 602A the right to privacy,. 15 US code 1681 604 A Consumer Reporting Agency can not furnish an account without my written permission., See non-public personal information., 15 US code 6802-obligations with respect to disclosures of personal information ( a ) Notice requirements ; ( b ) The term affiliate means any company that controls, is controlled by, or is under common control with another company. A person can only report to a affiliated corporation., A affiliated corporation is one in which the reporting person has a 51 % or greater controlling interest., 15 US code & 1681s-2 ( 7 ) Negative information ( A ) Notice to consumer is required ( I ) In General ; any financial institution that extends creditshall provide a notice of such furnishing of negative information, in writing, to the customer. This shall be done 30 days before, or after furnishing of any such negative information. Reporting of any alleged debt, as if it is a actual debt, ( never verified/validated or court order ), is ultra-vires action, HEARSAY. Without a consumers written permission, reporting of any unauthorized information, for a commercial purpose, is a ultra-vires criminal XXXX, ( 3 or more ), violation, resulting in, 18 US code 1028A- Aggravated Identity Theft, actions Designed to keep American consumers in illegal/unlawful financial slavery, see U.S. v XXXX 487 U.S. 931 ( XXXX ). Furthermore any continued reporting would be another violation, 15 US code & 1681n, knowingly, reporting. For this reason, please request deletion of any and all negative reporting within the next XXXX business days. For the following accounts. American Express Account # XXXX Thank you, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #9326074 about?
Complaint #9326074 was filed against American Express Company regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-06-22T12:00:00-05:00.
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.