Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that is appearing on my credit report specifically related to an Apple Card account, which I believe is the result of identity theft. This inaccurate information, including inaccurate dates associated with the account, is negatively impacting my credit score and my ability to obtain credit. 
Details of Inaccurate Information and Identity Theft : * Stolen iPhone and Apple Card : My iPhone was stolen on [ Date of theft ], and I believe my Apple Card information was accessed and used fraudulently as a result. I reported the theft to [ Name of law enforcement agency ] on [ Date of report ] ( Case number : [ Case number, if applicable ] ). 
* Unrecognized Account : My credit report shows an account with Apple Card/GS Bank USA that I have no knowledge of ever being opened. I did not apply for or authorize this account. 
* Inaccurate Dates : The dates associated with this Apple Card account are inaccurate. I have never possessed an Apple Card, so any dates related to account opening, alleged use, or charge-off are incorrect and should not be on my credit report. 
* Charged-off Status : The Apple Card account is listed as " charged-off, '' indicating a loss due to non-payment. I have never had an Apple Card, so I could not have missed payments. 
* Late Payment History : My credit report shows a low percentage of on-time payments, which is inaccurate. I have always paid my bills on time, and this incorrect information is likely associated with the fraudulent Apple Card account. 
* Conflicting Information : While the Apple Card account is listed as " charged-off, '' the " Charge-Off Amount '' field is marked " Not Reported '' across all three credit bureaus ( XXXX, XXXX, and XXXX XXXX. 
* Failure to Investigate : I have contacted [ Name of entity you reported the theft to, e.g., Apple, Goldman Sachs ] on [ Date of contact ] to report the theft and unauthorized charges on this Apple Card account. They have refused to investigate this matter. 
Requested Action : I request that the Consumer Financial Protection Bureau investigate this matter thoroughly, including the potential identity theft and the refusal of [ Name of entity ] to investigate my report. Due to the extent of the inaccuracies, I request that all information related to this Apple Card account be deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 
I am also requesting that the credit bureaus ( XXXX, XXXX, and XXXX ) provide me with proof of the legitimacy of this Apple Card account, including any documentation that links this account to me. 
I have attached a copy of my credit report with the disputed items highlighted. I am also willing to provide any additional information or documentation that may be helpful in resolving this issue, including a copy of the police report regarding the theft of my iPhone. 
Thank you for your time and attention to this matter. 
Sincerely, [ Your Signature ]

Company response to consumer: Closed with non-monetary relief