While reviewing my XXXX credit report of XXXX/XXXX/2015 and XXXX of XXXX/XXXX/2015, I discovered that AMERICAN EXPRESS employees had initiated an unauthorized and fraudulent inquiries into my credit report. I did not at any time relevant period authorize or consent for this review by the employees of AMEX. I request that AMEX provide me with any hard/verifiable evidence of my consent to this review. To this extent, absent my authorization, AMEX employees action ( s ) constitute a clear violation of my Privacy Rights and FCRA Section 1681 b ( c ).