Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2025 Via Certified Mail Return Receipt Requested Re : Debt Validation, Securitization Disclosure, and Cease & Desist To Whom It May Concern : This letter is a formal dispute and demand for validation of the alleged debt you claim is owed, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C.

1692g, and applicable Indiana law governing negotiable instruments and secured transactions. Until you provide full validation, you must suspend all collection activity.

1 ) Proof of Discharge and IRS Reporting A complete, signed Form 1099C ( Cancellation of Debt ) filed with the IRS, evidencing cancellation/discharge ; include the discharge date and identifiable event code.

Written explanation for the cancellation and the date it was reported to the IRS.

2 ) Full Securitization and Assignment Disclosure Complete chain of title and assignment for the note and any security instrument from origination to present, including all endorsements, allonges, and transfers.

The name of the trust/SPV ( if any ) in which the instrument was deposited, and the governing Pooling and Servicing Agreement ( PSA ) or assignment contracts, including closing date and cutoff criteria.

Closing documents ( e.g., HUD1/Closing Disclosure ) showing parties, consideration, and settlement funds flow.

3 ) Itemization and Contractual Evidence Full itemized accounting statements from origination to present ( all debits, credits, fees, reversals, and corporate advances ). 
A true and correct copy of the original signed contract/promissory note and any amendments, forbearance agreements, or addenda.

4 ) Proof of Legal Standing and Enforceability ( Indiana ) Provide documentary proof of your right to enforce under Indianas UCC : IC 2613.1301 ( Persons entitled to enforce ), IC 2613.1302 ( Holder in due course ), IC 2613.1308 ( Proof of signatures ), IC 2613.1309 ( Lost/destroyed instrument ).

For any security interest, show perfection and priority pursuant to IC 2619.1310 and related provisions.

If you rely on assignments, provide authenticated assignments consistent with Indiana law and the PSA terms, if securitized.

5 ) Cease and Desist Effective immediately, cease and desist from telephone calls, emails, letters, credit reporting, or other collection efforts until full validation is mailed.

This demand is made under 15 U.S.C. 1692c ( c ). Any further reporting during a dispute must be accurate and reflect the accounts disputed status.

6 ) Notice of Intent and Timeline If you can not produce the above within 30 days of receipt, cease collection,
correct any tradelines, and close the account as uncollectible.

Continuing collection without validation may constitute violations of the FDCPA and deceptive practices laws ; remedies include statutory damages, costs, and attorneys fees.

Without Prejudice, UCC 1308 All rights reserved. 
Sincerely, XXXX XXXX XXXX cited : FDCPA 15 U.S.C. 1692g, 1692c ( c ) ; Indiana UCC : IC 2613.1301, 3.1302, 3.1308, 3.1309 ; IC 2619.1310.

Company response to consumer: Closed with non-monetary relief