Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8120221
Complaint Overview
Complaint ID: 8120221
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: Georgia
ZIP Code: 30274
Date Received: 2024-01-07T12:00:00-05:00
Date Sent to Company: 2024-01-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear APPLE CARD - GS BANK USA, I hope this letter finds you well. I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S. Code 6802. As such, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or nonverbal, that I, the consumer, may have previously provided to your agency. It is my right as a consumer, protected under federal law, to opt out of authorizations regarding the reporting or disclosure of my information to any third parties. I am requesting immediate action to ensure that any previously provided authorizations are revoked and no longer considered valid for reporting or disclosing my information. This request includes, but is not limited to, any previous authorizations given for the reporting of personal, financial, or credit-related information to any entities or third parties. I expect your agency to promptly update its records to reflect my decision to opt out of these authorizations in accordance with the FCRA and federal consumer protection laws. Please confirm in writing that my request has been received and actioned accordingly. I understand that federal law allows for a reasonable period to process and implement these changes. Your cooperation and timely response to this request are greatly appreciated. If any further information or clarification is required, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #8120221 about?
Complaint #8120221 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 2024-01-07T12:00:00-05:00.
How did Goldman Sachs Bank USA respond to this complaint?
The company responded with: "Closed with explanation". 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.