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American Express Services Europe Limited

Financial Ombudsman decision DRN-3601448 Upheld

The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.

What this decision was about

Credit file reporting, Service failure

In the Ombudsman’s words

AMEX reported the overdue balance on Mr S’ credit report.Credit file reporting

AMEX should’ve properly looked into what happened the first time and particularly after Mr S raised a formal complaint.Service failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3601448.pdf on financial-ombudsman.org.uk.

The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.