Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #18146924
Complaint Overview
Complaint ID: 18146924
Company: Goldman Sachs Bank USA
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: California
ZIP Code: 92543
Date Received: 2025-12-04T12:00:00-05:00
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
Subject : Request for Reinvestigation Goldman Sachs Bank USA Apple Card Reporting Inaccuracies Not Addressed Complaint : This is a follow-up complaint regarding XXXX XXXX XXXX inaccurate reporting of the Apple Card account. The Bank did not address the issues raised in my previous CFPB complaint. Instead, they provided a generic liability letter that did not include the verification or documentation I requested. I am specifically disputing the accuracy and completeness of the information being furnished under FCRA 1681e ( b ) and 1681i. My previous complaint clearly asked for verification of the reported data, not a generic statement that the account exists. XXXX XXXX XXXX failed to provide : 1.A copy of the original signed Apple Card Customer Agreement 2.Proof of ownership of the debt ( required if the account was charged off ) 3.A full itemized accounting to verify the reported balance 4.A XXXX compliant explanation of why payment history is being reported for XXXX after the account was closed on XX/XX/year> 5.An explanation for the duplicate dispute remarks, which is inaccurate and misleading 6.An explanation for why utilization is being calculated on a closed charge-off account, which is not XXXX compliant 7.Correction of missing fields such as the monthly payment, which is required to be {$0.00}, not blank 8.Reconciliation of conflicting status codes ( Closed by grantor vs. Profit and loss write-off ) 9.Any form of documentation validating the accuracy of the data they are furnishing GS Banks response did not address the actual reporting inaccuracies. They also did not provide proof or documentation supporting their claims or verifying the data they furnish to the bureaus. Under FCRA 1681i, when a consumer disputes the accuracy of furnished information, the furnisher is required to conduct a reasonable investigation and provide evidence that the data being furnished is correct. XXXX XXXX failed to do so. I am requesting : A complete reinvestigation of this account Documentation verifying each data field being furnished Removal of all inaccurate information Or deletion of the account if XXXX XXXX is unable to provide documentation verifying the accuracy of their reporting This is a request for verification of reporting. Please require XXXX XXXX to provide proof or correct/delete the data. Thank you.
Frequently Asked Questions
What is Complaint #18146924 about?
Complaint #18146924 was filed against Goldman Sachs Bank USA regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-12-04T12:00:00-05:00.
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.