Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8643908
Complaint Overview
Complaint ID: 8643908
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: New Jersey
ZIP Code: 08330
Date Received: 2024-03-27T12:00:00-05:00
Date Sent to Company: 2024-03-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
APPLE CARD/GS BANK USA reported 2 late payments ( XX/XX/2023 & XX/XX/2023 ) to the credit bureau XXXX I have sent out dispute letters, talked over the phone with XXXX & also reached out to Creditor themselves. APPLE CARD/GS BANK USA have told me they can not verify those late payments & have no record of them. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.
Frequently Asked Questions
What is Complaint #8643908 about?
Complaint #8643908 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 2024-03-27T12:00:00-05:00.
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.