Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I am writing to formally dispute the alleged late payments reported to XXXX, XXXX, and XXXX on my account, Account Number : XXXX. The reported payments are inaccurately identified as late, and I am requesting that this matter be addressed in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

First and foremost, under 15 U.S. Code 1681a ( 2 ), the term consumer report does not include information that solely pertains to transactions or experiences between the consumer and the person making the report. Therefore, any information regarding my transactions and experiences with your company does not qualify as a consumer report and should not have been reported to any credit reporting agency.

You do not have the legal right to furnish this information as part of my credit report. The law explicitly excludes such data from being reported. Furthermore, under 15 U.S. Code 1666b, a creditor may not treat a payment as late unless it has adhered to the necessary procedures. Specifically, the creditor must ensure that the periodic statement, which includes the information required under 15 U.S. Code 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

To justify your reporting of a late payment, I require the following proof : Compliance with 15 U.S. Code 1637 ( b ) : Provide concrete evidence that the periodic statement, containing all required information, was mailed or delivered to me at least 21 days before the payment due date.

Detailed Documentation : In accordance with 15 U.S. Code 1637 ( b ), I request all documentation that proves the statement met the statutory requirements and was mailed or delivered within the required timeframe.

Please be advised that this request is made in good faith under Rule 1002, and you are legally required to provide the requested documentation within 10 days of receiving this notice.

Do not respond with a generic claim of reporting accurate information unless you can provide the necessary proof of compliance with 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), 15 U.S. Code 1666b, and 15 U.S. Code 1637 ( b ). Without such proof, there is no valid basis for reporting the payment as late.

If you are unable to provide the requested proof of mailing or delivery in accordance with 15 U.S. Code 1666b, you are not authorized to report this payment as late. Failure to comply constitutes a violation of 15 U.S. Code 1681s-2.

If you are unable to provide the required documentation or proof of compliance, I demand the immediate deletion of this account and any related late payment information from all three credit bureaus ( XXXX, XXXX, and XXXX ). 

I expect you to either provide the requested documentation or delete the inaccurate late payment entry from my credit report within 10 calendar days from receipt of this notice.

Late Payment ( s ) in Question for XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. 

Late Payment ( s ) in Question for XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. 

Late Payment ( s ) in Question for XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. 

I trust you will act in accordance with the law and address this issue promptly.

Company response to consumer: Closed with explanation