Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Follow-Up to CFPB Complaint No. XXXX Goldman Sachs Bank USA ( Apple Card ) Company Claimed Documents Were Sent, But None Were Received To Whom It May Concern : I am submitting this letter as a follow-up to CFPB Complaint No. XXXX, originally submitted on XX/XX/year>, regarding an unauthorized Apple Card account issued by Goldman Sachs Bank USA that is being reported on my consumer credit reports. This account does not belong to me, and I continue to dispute any liability. 

In Goldman Sachs Bank USAs CFPB response dated XX/XX/year>, the Bank stated that it sent the Customer the requested documents on XX/XX/year>, validating the Customers debt, including a copy of the Apple Card Customer Agreement and twelve months of statement history. This is inaccurate. I never received any such documentation by mail, email, or secure message. No customer agreement, no statement history, and no proof of authorization were provided to me. Because Goldmans response relies on documentation that was never provided, I am requesting CFPB assistance to ensure Goldmans response is supported by actual evidence and that I receive the documentation necessary to evaluate and dispute the claim. 

Requested CFPB Action 1. Require Goldman Sachs Bank USA to provide the alleged validation documents to both : Me ( the consumer ), and The CFPB ( for the complaint record ).

2. Require Goldman to provide proof that the documents were actually sent, including : Date sent/mailed, delivery method, and destination address/email used Tracking number ( if mailed ) or secure message confirmation ( if electronic ) A copy of the exact documents Goldman claims were sent XXXX XX/XX/year> XXXX. Require Goldman to produce account-opening evidence demonstrating authorization, not generic disclosures, including : Application and account-opening records Electronic consent/e-sign logs ( date/time and authentication method ) Identity verification method used at application Email/phone/address used at account opening ( and any change history ) Card shipment records ( address used and delivery confirmation, if available ) Basis for Follow-Up Goldmans response asserts I opened and consented to an Apple Card agreement and that the account was reported accurately, yet I have never received the documents Goldman claims were sent. I am therefore disputing the accuracy of Goldmans CFPB statement and requesting CFPBs assistance to obtain the underlying evidence. 

Requested Resolution Goldman Sachs Bank USA must submit the complete documentation and proof of delivery to both me and CFPB ; and If Goldman can not provide documentation demonstrating authorization and proof it was delivered to me, I request that Goldman cease furnishing this tradeline as mine and correct/delete the reporting with the consumer reporting agencies. 

Thank you for your attention. Please add this statement to the official record for Complaint No. XXXX and forward it to Goldman Sachs Bank USA for a documented response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief