Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
I am submitting this statement to fully explain what happened regarding the Apple Card account reported by Goldman Sachs Bank, which is currently appearing on my consumer credit reports even though I do not own this account, did not open it, did not authorize it, and have never had any financial relationship with Apple Card or with Goldman Sachs Bank. This narrative describes how I discovered the inaccurate reporting, what steps I took to dispute and correct the issue, what actions the furnisher took or failed to take, the violations of my consumer rights, and the harm I have suffered as a result of this false reporting. This explanation is provided in good faith under my rights as a consumer protected by federal law.

1. DISCOVERY OF THE APPLE CARD ACCOUNT I discovered the Apple Card account while reviewing my credit reports from the major credit bureaus. The account appeared as a derogatory trade line associated with Goldman Sachs Bank. The report showed multiple late payments, escalating delinquencies ( including 30-day, 60-day, and 90-day lates ), a charge-off or collection status, and a past-due balance.

This was alarming because I have never opened an Apple Card account in my life. I have never applied for Apple Card, I have never received a card, I have never activated a card, and I have never been contacted by Goldman Sachs Bank regarding such an account. The reporting was incorrect, unfamiliar, and completely inconsistent with my actual financial activities. I immediately recognized this as a serious error or fraudulent account.

2. I HAVE NEVER OPENED OR USED THIS APPLE CARD ACCOUNT The most important fact is that I have never opened an Apple Card account. I have no relationship with Apple Card or Goldman Sachs Bank. I have not filled out an application, signed any agreement, submitted any information to them, received any approval, or received any credit-related communication or statement from the company.

Additionally : I have never made purchases with an Apple Card.

I have never received monthly statements from Apple Card.

I have never received activation instructions or card packaging.

I have never received emails, alerts, or text messages regarding an Apple Card account.

I have never missed payments, because I have never had the account in the first place.

Therefore, the account appearing on my credit report is not mine.

3. POSSIBLE FRAUD OR FILE-MIXING ERROR Based on the information reported, only two explanations are possible : A. Identity theft or unauthorized use Someone may have used my information without consent to apply for an Apple Card, resulting in the account being opened fraudulently.

B. Credit-file mixing error Credit bureaus sometimes incorrectly merge files of consumers with similar names or identifiers. This is known as mixed file reporting.

In either scenario, the Apple Card account should not be linked to me and must be removed.

4. ACTIONS I TOOK TO RESOLVE THE ISSUE As soon as I noticed the Apple Card tradeline, I took multiple steps to correct it : 1. I disputed the account with all credit bureaus I disputed the Apple Card account with each bureau, explaining : I do not recognize the account.

I never opened the account.

I never authorized it.

It must be removed because it is inaccurate.

2. I requested a reinvestigation Under FCRA 611, I requested that the bureaus perform a legally required reinvestigation and verify whether the account belonged to me.

3. I requested the Method of Verification Under FCRA 611 ( a ) ( 6 ), I requested : How the account was verified What documents Goldman Sachs provided Whether the verification was manual or automated What identifying information was used to match the account to my profile I requested an explanation of : The system used ( e.g., e-OSCAR ) The exact date and time verification occurred Whether any documents were physically reviewed 4. I requested validation from Goldman Sachs I requested from Goldman Sachs Bank that they provide : The original signed application Identification documents allegedly used to open the account Payment and transaction histories Correspondence logs Evidence of funds being spent IP address or digital fingerprints from any online application They failed to provide any of this.

5. I documented everything I saved all dispute letters, responses, and credit reports to demonstrate my efforts and the lack of evidence supporting the account.

5. GOLDMAN SACHS BANK FAILED TO VALIDATE THE ACCOUNT Despite my dispute requests, Goldman Sachs Bank did not provide : A signed agreement Proof of application Copies of statements Records of account activity IP address information Identity verification materials Proof that the account belongs to me Instead, the bureaus returned vague responses claiming the information was verified, even though no documentary evidence was provided. This indicates that the furnisher likely responded using a simple automated e-OSCAR code rather than conducting a real investigation.

This violates FCRA 611 ( a ), which requires a meaningful reinvestigation.

6. FAILURE OF THE CREDIT BUREAUS TO PERFORM A REASONABLE REINVESTIGATION The credit bureaus have a statutory obligation to : Investigate disputed information Obtain documentation from the furnisher Ensure maximum possible accuracy Delete unverifiable information However, they simply marked the account as verified without providing : The documents reviewed The Method of Verification Copies of communications with Goldman Sachs Evidence supporting the account A detailed explanation of the match criteria used This is not a meaningful reinvestigation under federal law.

7. FEDERAL LAWS THAT APPLE CARD AND CREDIT BUREAUS ARE VIOLATING FCRA 602 Accuracy and fairness requirement Consumer reporting must be accurate and fair. Reporting an account I do not own violates this basic requirement.

FCRA 607 ( b ) Maximum possible accuracy Bureaus must ensure all information is accurate. This account is not accurate.

FCRA 611 ( a ) Reinvestigation requirement The bureaus must conduct a real investigation, not a rubber-stamp automated verified response.

FCRA 611 ( a ) ( 5 ) ( A ) Deletion of unverifiable information If the furnisher can not verify the account with actual evidence, the account must be deleted.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers can not report false information Goldman Sachs Bank must not furnish information known to be inaccurate.

FCRA 623 ( a ) ( 3 ) Must mark account as disputed The account must be marked as disputed until fully resolved.

FDCPA 807 and 809 ( if collections were involved ) Debt collectors can not misrepresent the debt or fail to validate it.

Goldman Sachs did not meet these standards.

8. ERRORS AND INCONSISTENCIES IN THE REPORTING The Apple Card account contains multiple inconsistencies : Reported as charged-off Shows late payments I never made Reflects a past-due balance I never incurred Lists dates of delinquency that do not correspond to any activity in my actual financial history These errors indicate faulty reporting, lack of validation, and possible fraud.

9. THE ACCOUNT IS NOT MINE AND HAS NO SUPPORTING DOCUMENTS A legitimate account must have : A signed application Identity verification Transaction statements Payment histories Correspondence logs Clear documentation of account ownership Goldman Sachs has produced none of these. Therefore, there is no lawful basis for reporting the Apple Card account as belonging to me.

10. THE HARM CAUSED BY THE FALSE APPLE CARD ACCOUNT This inaccurate account has caused significant harm : 1. Credit score damage A charge-off is one of the most damaging credit events. It dramatically lowers credit scores.

2. Denial of credit Lenders are less willing to approve credit when they see an unpaid charge-off.

3. Higher interest rates Even when credit is approved, interest rates become much higher.

4. Emotional stress Having a major fraudulent account on my report causes stress, fear of identity theft, and uncertainty.

5. Lost opportunities The false account affects : Loan approvals Rental applications Insurance premiums Employment background checks False reporting has real consequences.

11. THE ACCOUNT MUST BE DELETED UNDER FEDERAL LAW Under FCRA 611 ( a ) ( 5 ) ( A ), the bureaus must delete information that : Is inaccurate Can not be verified Is unsupported by documentation Is linked to identity theft Is the result of mixed-file errors All of these apply to this Apple Card account.

12. WHAT I EXPECTED FROM GOLDMAN SACHS BANK I expected them to provide : A signed application proving I opened the account Identification documents used to apply A copy of the agreement Payment records IP logs for online activity Any communication sent to me None of this has been produced.

13. WHAT I EXPECTED FROM THE CREDIT BUREAUS I expected : A meaningful reinvestigation A real Method of Verification Copies of documents reviewed A written explanation Removal of unverifiable data None of this has occurred.

14. WHY THIS APPLE CARD ACCOUNT MUST BE REMOVED The account must be removed because : I never opened it I never authorized it No contract exists No documentation exists No verification exists Reporting is inaccurate Reporting is harmful Reporting violates federal law There is no valid justification to continue reporting a fraudulent or mistaken account.

15. SUMMARY OF WHAT HAPPENED An Apple Card account that is not mine appeared on my credit reports.

I never opened or authorized such an account.

I disputed the account with all credit bureaus.

I requested validation from Goldman Sachs Bank.

I requested the Method of Verification from all bureaus.

No documentation proving ownership has ever been provided.

Bureaus continued reporting without meaningful investigation.

The account is fraudulent, inaccurate, and harmful.

The reporting violates FCRA and possibly FDCPA.

The account must be permanently deleted.

Company response to consumer: Closed with non-monetary relief