Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9929412
Complaint Overview
Complaint ID: 9929412
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: 90046
Date Received: 2024-08-26T12:00:00-05:00
Date Sent to Company: 2024-08-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Unauthorized Credit Reporting and Demand for Resolution - Reference to Federal and California Laws Dear GS BANK USA, I am writing to address a serious violation of my rights regarding the unauthorized reporting of information to my credit report. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the California Consumer Credit Reporting Agencies Act under Sections 1785.10 and 1785.30. It has come to my attention thatGS BANK USA has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal and California law, as outlined in the FCRA and the California Consumer Credit Reporting Agencies Act, respectively, explicitly mandate that the consent of the consumer is a non-negotiable requirement for such reporting activities. I assert with unwavering certainty that I have not provided consent for GS BANK USA to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. I demand, with the utmost certainty, that GS BANK USA immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 1785.10 and 1785.30 of the California Consumer Credit Reporting Agencies Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. I anticipate your immediate attention to this matter and expect that GS BANK USA will promptly rectify these egregious violations, respecting my rights under federal and state laws. Done in good faith.
Frequently Asked Questions
What is Complaint #9929412 about?
Complaint #9929412 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 2024-08-26T12:00:00-05:00.
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.