Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #18120098
Complaint Overview
Complaint ID: 18120098
Company: Goldman Sachs Bank USA
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Nevada
ZIP Code: 89178
Date Received: 2025-12-03T12:00:00-05:00
Date Sent to Company: 2025-12-04T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 1681g, and 1681e ( b ) regarding inaccurate, inconsistent, and legally unverifiable information reported by APPLE CARD / GS BANK USA on my credit report. Issues : Inaccurate Late Payment Reporting : This account reports a 30day late payment in XX/XX/2024, which I dispute as inaccurate and unverified. No supporting documentation has been produced to validate this alleged delinquency. Sham Investigations : Prior disputes regarding this account were subjected to superficial investigations, conducted solely through automated systems ( e.g., e-OSCAR ), without meaningful, consumer-specific review, violating FCRA 1681i ( a ) ( 1 ) ( A ). Failure to Ensure Accuracy : The reporting of this account fails to comply with obligations to maintain maximum possible accuracy under FCRA 1681e ( b ) and Metro 2 data integrity standards. Violation of Nevada Law : The furnishing of false or unverified credit information also violates Nevada Revised Statutes XXXX XXXX, which prohibits knowingly reporting false credit information that harms a consumers credit profile.
Frequently Asked Questions
What is Complaint #18120098 about?
Complaint #18120098 was filed against Goldman Sachs Bank USA regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-12-03T12:00:00-05:00.
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.