Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Formal Dispute and Validation Request Under FCRA, FDCPA, Texas Finance Code, and Related Regulations Date : XX/XX/XXXX To : GOLDMAN SACHS Address : XXXX XXXX XXXX, XXXX, PA XXXX Phone : XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. Disputed Account Information Account Name : GOLDMAN SACHS BANK USA Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Status : MUST PROVIDE THE STATUS OF THIS ACCOUNT. 



CEASE & DESIST DIRECTIVE Effective immediately : All non-written communication ( calls, texts, etc. ) is prohibited under FDCPA 1692c ( c ).

A credit reporting freeze must be implemented until full validation is provided, per Owens v. Experian ( E.D. Tex. 2023 ). 
Violations will trigger : {$1000.00} statutory damages per FDCPA violation. 
Treble damages under Texas Finance Code 392.403. 




XXXX. Request for Comprehensive Investigation Pursuant to 15 U.S.C. 1681b, 1681e, 1681i ( FCRA ) and 12 CFR Part 1006 ( Regulation F ), I dispute the accuracy of the above-referenced account and demand a full reinvestigation. Provide the following : Required Documentation : Account Verification : Original contract/agreement bearing my signature.

Complete payment history ( including dates/amounts ).

Charge-off date and amount ( if applicable ). 
Proof of ownership/assignment of the debt ( if transferred ). 
XXXX XXXX Compliance : Current status code and reason for closure ( if applicable ). 
Date of last payment and balance history. 
Hard Inquiry Validation : Evidence of permissible purpose under 1681b for any inquiries.

III. Legal Basis for Request A. Fair Credit Reporting Act ( FCRA ) 1681e ( b ) : You must maintain " reasonable procedures '' to ensure maximum accuracy.

1681i ( a ) : Requires a XXXX reinvestigation and correction of inaccuracies. 
Cushman v. Trans Union ( 1997 ) : Reinvestigations must be thorough, not superficial.

Norman v. Trans Union ( 2023 ) : Inaccurate hard inquiries harm creditworthiness. 
B. Fair Debt Collection Practices Act ( FDCPA ) 1692g : Debt validation must include creditor name, amount, and verification rights.

1692e : Prohibits false/misleading representations about debt status.

C. Texas Laws Finance Code Ch. 392 : Prohibits deceptive debt collection practices.

Civil Practice & Remedies Code 16.004 : Enforces a XXXX statute of limitations on debt claims. 
XXXX CFPB Regulation F ( 12 CFR 1006 ) 1006.34 : Requires clear validation notices and dispute resolution procedures.

IV. VALIDATION CHECKLIST A. Financial Documentation Forensic audit of the alleged balance ( CFPB Regulation F, Appendix B ). 

Proof of no post-SOL interest/fees. 

B. Data Compliance AES-256 encryption logs ( GLBA 6802 ).

Debt collector data-sharing contracts.

C. Credit Reporting Metro 2 " XB '' dispute code ( Norman v. Trans Union, 2023 ).

E-OSCAR investigation audit trail.

V. Demand for Action Immediate Correction : Remove or correct all inaccuracies within XXXX  days. 
Documentation : Provide all requested records within 15 days. 
Confirmation : Send a written report of findings and actions taken. 
Failure to comply will result in : Formal complaints to the CFPB, FTC, and Texas Attorney General. 
Legal action for willful noncompliance under 1681n ( up to {$1000.00} per violation + punitive damages ).

VI. Declaration I certify under penalty of perjury that this dispute is made in good faith. 

Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau XXXX Federal Trade Commission XXXX Texas Office of Consumer Credit Commissioner XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX ) XXXX XXXX XXXX, XXXX, XXXX. XXXX ( XXXX Cir. XXXX ) Texas Finance Code 392.001392.404 12 C.F.R. Part 1006 ( Regulation F )

Company response to consumer: Closed with non-monetary relief