Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9596767
Complaint Overview
Complaint ID: 9596767
Company: American Express Company
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: New York
ZIP Code: 10036
Date Received: 2024-07-23T12:00:00-05:00
Date Sent to Company: 2024-07-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Date : XX/XX/XXXX American Express XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, N.Y. XXXX SSN : XXXX The IRS clearly states that lenders or creditors are required to issue Form 1099-C, Cancellation of Debt, if they cancel a debt owed to them of {$600.00} or more. So I am asking that you remove the following account from my credit reports : AMEX Account # XXXX I needed to have an unplanned XXXX that has kept me from working for the past XXXX months. I am asking that I be able to claim this charged-off debt of {$3700.00} as income for my XXXX personal tax returns. Thank You for your prompt attention and I look forward to doing business with AMEX in the future Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX SSN : XXXX
Frequently Asked Questions
What is Complaint #9596767 about?
Complaint #9596767 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 2024-07-23T12:00:00-05:00.
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.