Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10440623
Complaint Overview
Complaint ID: 10440623
Company: Goldman Sachs Bank USA
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information is missing that should be on the report
State: Illinois
ZIP Code: 60068
Date Received: 2024-10-13T12:00:00-05:00
Date Sent to Company: 2024-10-13T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Consumer Financial Protection Bureau, I am writing to urgently request your intervention regarding an error on my credit report related to my Apple Card, managed by Goldman Sachs. This error has severely impacted my credit score, affecting significant life events. I recently purchased an XXXX XXXX XXXX, opting to finance the {$1000.00} cost via a 2-year installment plan through Apple Card. However, due to an initial error by Apples customer service, the full amount was charged as a one-time transaction, erroneously showing my card as maxed out. I immediately contacted Apple Card services to rectify this, and was repeatedly assured that the issue was resolved, with the charge now correctly showing as an installment plan. Despite these assurances, my credit report suddenly reflected an XXXX drop, inaccurately indicating a maxed-out card. This is in stark contrast to my excellent payment history, 35 % overall credit utilization, and no other maxed-out cards. The incorrect credit report has already negatively affected my ability to secure an apartment rental and pursue car financing. The urgency to correct this mistake can not be overstated, as it jeopardizes my financial stability. I have included all relevant documentation and correspondence with Apple Card customer service as evidence. Should this error not be rectified promptly, I am prepared to pursue legal action to defend my rights. I appreciate your immediate attention to this matter and look forward to your swift action to help correct this critical reporting error.
Frequently Asked Questions
What is Complaint #10440623 about?
Complaint #10440623 was filed against Goldman Sachs Bank USA regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-10-13T12:00:00-05:00.
How did Goldman Sachs Bank USA respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 Goldman Sachs Bank USA?
Yes, visit the Goldman Sachs Bank USA company profile at readthecomplaint.com/company/goldman-sachs-bank-usa 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.