Anonymous
Incorrect information on your report: Credit card
I am submitting this complaint regarding American Express and its continued reporting of disputed information associated with unauthorized and fraudulent activity. I have previously disputed this matter with the consumer reporting agencies and provided notice that the account and/or disputed activity was the result of fraud and unauthorized use. I also filed an FTC Identity Theft Report and supplied supporting documentation regarding my dispute. Despite these efforts, American Express has continued furnishing and reporting the disputed information. The information has been treated as verified even though I have consistently challenged responsibility for the disputed activity and requested a reasonable investigation. American Express has now been sent a direct written dispute by certified mail containing my identity theft documentation, proof of identity, and supporting evidence. The company has been placed on notice that I dispute responsibility for the reported account activity and any resulting derogatory reporting. I am requesting that American Express conduct a thorough investigation, review all information submitted, and provide documentation establishing that I personally authorized and benefited from the disputed transactions. If such documentation can not be produced, the disputed reporting should be removed and corrected with all consumer reporting agencies. I am seeking CFPB assistance because my prior disputes have not resulted in a meaningful resolution and the disputed reporting continues to negatively affect my credit profile.
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