Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13727721
Complaint Overview
Complaint ID: 13727721
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 belongs to someone else
State: Tennessee
ZIP Code: 381XX
Date Received: 2025-05-26T12:00:00-05:00
Date Sent to Company: 2025-05-26T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Im a victim of identity theft and there is a fraudulent account that is reporting on my credit file with Apple Card Gs Bank Usa-opened:XXXX-account XXXX XXXXXXXX. I did not open, authorize this account, engaged in business transactions with this company nor entered into any agreements. I filed a dispute with the credit bureaus and sent a ftc identity theft report, a copy of valid government identification, and a police report. On XX/XX/year> I called Apple Goldman Sachs and spoke with a gentleman who stated he worked in the fraud department. He stated that their department had received the identity theft claim and investigated the fraud claim He stated that the account was closed as fraud and taken out of my name. He verified the address on the account, phone number, and email address was all FRAUDULENT information that is listed on the account! He also verified that they DO NOT have a signature on file for the application and it was done through their app on a cellphone. I called this company again on XXXX and told them that I sent a validation of debt request. They informed me that they sent the validation of debt to the fraudulent address that is on the account and not to my REAL ADDRESS that was on the validation of debt request. Apple Goldman Sachs has disregarded my ftc identity theft report which is against the fcra. As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. THIS COMPANY KEEP SENDING ALL COMMUNICATION, DOCUMENTS, UPDATES, AND CORRESPONDENCE TO THE FRAUDULENT ADDRESS THAT IS ON FILE! THEY HAVE DISREGARDED SENDING ALL INFORMATION TO THE CORRECT ADDRESS THAT IS THE CFPB COMPLAINT! THEY ARE DELIBERATELY NOT SENDING ME THE DEBT VALIDATION LETTER AND INFORMATION TO MY VALID MAILING ADDRESS WHICH IS IN THIS COMPLAINT!
Frequently Asked Questions
What is Complaint #13727721 about?
Complaint #13727721 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 2025-05-26T12:00:00-05:00.
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.