Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Goldman Sachs Bank USA Subject : Request for Removal of Inaccurate Late Payments & Production of Securitization & Compliance Records Account # XXXX To Whom It May Concern, I am formally disputing the negative reporting of late payments and charge-off associated with my account # XXXX as reflected in my consumer report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, Truth in Lending Act ( TILA ) 15 U.S.C. 1601, and ASC 860 ( Accounting for Transfers and Servicing of Financial Assets ), I demand full verification of the alleged debt, ownership records, and reporting accuracy.

Mandatory Documentation Request As a consumer, I have the right to review the accuracy of any reported information. As such, I demand the immediate production of the following documents : 1. Securitization & Ownership Records ( ASC 860 & OCC Compliance ) Proof of ownership of this account, including a full chain of title.

A copy of any Pooling and Servicing Agreement ( PSA ) related to this account.

Documentation verifying whether this account was securitized, transferred, or assigned to a trust, third party, or special purpose vehicle ( SPV ).

A copy of any agreements, endorsements, assignments, or allonges related to this alleged debt.

2. OCC & Comptroller Standards Compliance Pursuant to OCC regulations and enforcement guidelines, please provide : Documentation proving compliance with OCC Bulletin 2002-19, which requires banks to properly account for securitized assets and retain risk in transferred assets.

Any third-party risk management reports under OCC Bulletin 2013-29 that assess the legal transfer, risk retention, and compliance of this account.

Records showing compliance with 12 CFR Part 30 ( Safety and Soundness Standards ) regarding the reporting and accounting treatment of this charge-off.

Any notice of adverse action required under 12 CFR Part 1002 ( Regulation B Equal Credit Opportunity Act ), including evidence that I was properly notified of any charge-off, assignment, or change in creditor status.

3. Full Accounting & Payment History A detailed transaction history showing how the balance, late fees, and charge-off were calculated.

The original signed agreement proving I consented to the alleged debt under the reported terms.

Documentation confirming that this account was properly credited with any payments received per 15 U.S.C. 1666b ( TILA Payment Crediting Rules ).

4. Metro 2 Compliance & Credit Reporting Accuracy Proof that the reporting of this account complies with Metro 2 guidelines, including adherence to E-Oscar dispute verification standards.

Documentation verifying the Date of First Delinquency ( DOFD ) and how it was determined.

Any correspondence related to disputes or updates made to this account on my consumer report.

Legal & Regulatory Implications Failure to produce these documents within 7 days of receipt of this letter may constitute violations of : 15 U.S.C. 1681s-2 Prohibition on furnishing inaccurate or unverifiable information.

15 U.S.C. 1666b Obligation to properly credit payments and apply billing adjustments.

OCC Bulletin 2002-19 & 2013-29 Failure to maintain proper risk and transfer documentation.

12 CFR Part 1022 ( Regulation V FCRA Compliance ) Failure to report consumer information accurately.

Agreement by Non-Response By failing to produce the requested documents within 7 days of receipt of this letter, Goldman Sachs Bank USA agrees to immediately delete all late payments and any derogatory reporting associated with this account from all consumer reporting agencies, including but not limited to XXXX, XXXX, and XXXX. 

If you fail to comply, I will escalate this matter with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( OCC ), the Federal Trade Commission ( FTC ), and pursue legal remedies for violations of federal banking and consumer protection laws. 

Please provide all requested documents in writing to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Sincerely, XXXX XXXX XXXX ( Last 4 ) : XXXX

Company response to consumer: Closed with non-monetary relief