Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX * * Re : Formal Dispute and Demand for Deletion Apple Card / Goldman Sachs ( Acct # ending XXXX ) * * To Whom It May Concern, I am formally disputing the accuracy and completeness of the following account reported on my consumer file : * * Creditor : * * Goldman Sachs Bank USA ( Apple Card ) * * Account : * * Ending in XXXX * * Status Reported : * * Charge-Off / Closed * * Balance : * * {$840.00} Iam requesting an assignment contract. This account contains multiple inconsistencies, inaccuracies, and unverifiable data in violation of the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. * * Specifically : * The reported * * balance ( {$840.00} ) * * conflicts with the listed * * charge-off amount ( {$860.00} ) * * and * * high credit ( {$860.00} ) * *, creating material inconsistency and a failure to maintain maximum possible accuracy under * * 15 U.S.C. 1681e ( b ) * *. * The account reflects * * ongoing monthly charge-off status ( CO ) across multiple periods * *, which improperly re-ages and misrepresents the account history, violating * * 15 U.S.C. 1681c ( a ) * * and Metro 2 compliance standards. * There is a failure to clearly and consistently report the * * Date of First Delinquency ( XX/XX/year> ) * * in alignment with payment history and reporting timeline, indicating potential illegal re-aging in violation of * * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) * *. * The account lacks verifiable documentation, including any * * original signed agreement, full payment history, or proof of authorization * *, which is required for lawful reporting under * * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) * *. * Reporting a * * charged-off account with a continuing balance * * without proper accounting or update creates a misleading and incomplete record, violating accuracy and completeness requirements under federal law. Pursuant to * * 15 U.S.C. 1681i * *, I demand a reasonable reinvestigation of this account. You are required to : 1. Provide * * competent documentary evidence * * bearing my signature that validates this alleged debt 2. Provide a * * complete and accurate accounting * * of the balance and charge-off calculation 3. Verify the * * Date of First Delinquency * * and confirm no re-aging has occurred 4. Immediately * * delete this account * * from my credit file if it can not be fully verified as accurate and compliant If you are unable to verify this account in strict compliance with the FCRA, you are legally required to * * permanently delete * * it from my credit report. Be advised that failure to comply constitutes * * willful noncompliance under 15 U.S.C. 1681n * * and * * negligent noncompliance under 15 U.S.C. 1681o * *, exposing your organization to liability for statutory, actual, and punitive damages. If this matter is not resolved within the required 30-day period, I will escalate complaints to the * * Consumer Financial Protection Bureau ( CFPB ) * * and the * * Federal Trade Commission ( FTC ) * *, and pursue all available legal remedies. This is a formal demand for deletionnot a request for verification alone. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation