Consumer complaint received 2020-01-27
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX I found out I was the victim of identity theft. A bank account at XXXX XXXX XXXX was fraudulently opened up under my name and five loan applications were fraudulently applied for under my name. The five lenders were Goldman Sachs, XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I subsequently found out that these five lenders had received my information through the company XXXX XXXX. 
On XX/XX/XXXX, I called Goldman Sachs ( XXXX ) and alerted them of my identity theft. I called Goldman Sachs because it was the company listed on my XXXX credit report. I was assured that there were no loan applications under my name. 
Later that day, I received a letter from Marcus by Goldman Sachs stating that a loan had been denied. I called Marcus by Goldman Sachs ( XXXX ) and they confirmed an application had been submitted. I tell them that this application was fraud. I find out that Marcus by Goldman Sachs is the lending division of Goldman Sachs and that they do not share information. I was told I could obtain information on the fraudulent application by sending in a letter stating the request, along with a police report and FTC report. I was told I would receive the documents within 30 days of the request. 
On XX/XX/XXXX, I mailed a letter to Marcus by Goldman Sachs requesting a copy of all the documents related to the fraudulent loan application. I also mailed a copy of my police report and FTC report. I never received a response. 
On XX/XX/XXXX, I called again requesting the records. 
On XX/XX/XXXX, I received a call back stating they could not release the information. 
On XX/XX/XXXX, I called again requesting the information and inquired why the information could not be released to me. I was told someone would call back in 1-2 days but I never received a call back. It has been two months since my initial request for documents.

The Fair Credit Reporting Act ( FCRA ) Section 609 ( e ) states as a victim of identity theft, I have a right to obtain copies of all documents related to the theft of my identity. It states that following a request from an identity theft victim, the business must provide the records within 30 days, free of charge and without a subpoena. These rights are stated numerous times on the Federal Trade Commissions website under identity theft. Here are the links to the FTC website stating these rights : https : //www.identitytheft.gov/know-your-rights https : //www.ftc.gov/news-events/blogs/business-blog/2017/12/identity-theft-show-me-records https : //www.ftc.gov/tips-advice/business-center/guidance/businesses-must-provide-victims-law-enforcement-transaction. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX have all complied with my request for documents on the fraudulent loan applications and bank account XXXX XXXX, Marcus by Goldman Sachs, and XXXX have not complied with my request for documents. 
Marcus by Goldman Sachs has not complied with the law and have denied my request for records despite multiple tries. Therefore I am filing a complaint with the Consumer Financial Protection Bureau. 
Being a victim of identity theft has been very frustrating and the time dealing with this has been enormous. It would be easier for me if Marcus by Goldman Sachs complied with my request for documents so I can get fraudulent information connected with my name disputed and corrected and my credit restored.

Company response to consumer: Closed with explanation