Credit card -- Incorrect information on your report -- Complaint #12291859
Incorrect Identity on Credit Report Leads to CFPB Complaint
Complaint Overview
Complaint ID: 12291859
Company: Goldman Sachs Bank USA
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Florida
ZIP Code: 32804
Date Received: 2025-02-28T12:00:00-05:00
Date Sent to Company: 2025-03-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: low
The risk is low as the issue pertains to incorrect personal information on a credit report, which is generally resolvable through standard dispute processes.
Consumer Sentiment: negative
Topics: Credit Reporting, Identity Verification, Consumer Rights
AI Analysis
CFPB complaint 12291859 was filed against GOLDMAN SACHS BANK USA regarding Credit card (General-purpose credit card or charge card), specifically about "Incorrect information on your report". A consumer reported incorrect information on their credit report, specifically that account information belonged to someone else, which was issued by GOLDMAN SACHS BANK USA. The complaint was received on February 28, 2025 from Florida. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports and dispute any inaccuracies immediately with the credit bureau and the creditor.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) grants consumers the right to dispute inaccurate information on their credit reports.
Regulatory Insight
Creditors have a responsibility to ensure the accuracy of information they report to credit bureaus, and to investigate disputes promptly.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Florida, consumers have access to state-level consumer protection agencies that can assist with credit reporting disputes.
Industry Comparison
This issue is common across the credit card industry, where identity theft or data entry errors can lead to misattributed account information.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12291859 about?
CFPB complaint 12291859 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Incorrect information on your report", specifically "Information belongs to someone else". This complaint was filed against GOLDMAN SACHS BANK USA on February 28, 2025.
Which company is complaint 12291859 filed against?
Complaint 12291859 was filed against GOLDMAN SACHS BANK USA. You can view all complaints against this company on their profile page at /company/goldman-sachs-bank-usa.
What was the company's response to complaint 12291859?
GOLDMAN SACHS BANK USA responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 12291859 filed?
Complaint 12291859 was received by the CFPB on February 28, 2025. It was sent to GOLDMAN SACHS BANK USA on March 3, 2025.
What state was complaint 12291859 filed from?
Complaint 12291859 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 12291859?
Dispute information is not available for complaint 12291859.
What product category is complaint 12291859 about?
Complaint 12291859 is categorized under "Credit card", specifically "General-purpose credit card or charge card". This is one of the product categories tracked by the CFPB.
How was complaint 12291859 submitted?
Complaint 12291859 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 12291859?
The Fair Credit Reporting Act (FCRA) grants consumers the right to dispute inaccurate information on their credit reports. This relates to a Credit card complaint against GOLDMAN SACHS BANK USA involving "Incorrect information on your report".
How likely is complaint 12291859 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 12291859?
This complaint is rated as low risk. The risk is low as the issue pertains to incorrect personal information on a credit report, which is generally resolvable through standard dispute processes.
What regulatory actions apply to complaint 12291859?
Creditors have a responsibility to ensure the accuracy of information they report to credit bureaus, and to investigate disputes promptly. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 12291859?
Consumers should regularly review their credit reports and dispute any inaccuracies immediately with the credit bureau and the creditor.
Are there state-specific protections for complaint 12291859?
In Florida, consumers have access to state-level consumer protection agencies that can assist with credit reporting disputes. This complaint was filed from Florida.
How does complaint 12291859 compare to industry norms?
This issue is common across the credit card industry, where identity theft or data entry errors can lead to misattributed account information.
What steps should a consumer take if they discover information belonging to someone else on their credit report?
The consumer should file a dispute with the credit bureau (Equifax, Experian, or TransUnion) and provide evidence that the information is not theirs. They should also notify the creditor directly.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.