Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: OK

Complaint narrative:
I have filed an official Federal Trade Commission ( FTC ) Identity Theft Report ( attached ). I have also previously filed complaints with the CFPB regarding this matter. Goldman Sachs Bank USA has violated federal law. Despite receiving my FTC Identity Theft Report, Goldman Sachs responded to my prior complaint with the following statement : " The Bank conducted an investigation and confirmed no bank error occurred The Bank is unable to provide additional information related to the investigation. '' Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( Section 605B ), a furnisher of information that receives an identity theft report from a consumer must block the fraudulent information from being reported to credit bureaus. Goldman Sachs has refused to do so. Under FCRA Section 609 ( e ), because I have provided an identity theft report, Goldman Sachs is legally required to provide me with copies of the application and all business records related to the account including IP addresses, device IDs, timestamps, and email logs within 30 days. Goldman Sachs has instead claimed they are " unable to provide additional information. '' This is not a valid defense. It is a violation of my statutory rights. Goldman Sachs claims I " electronically consented '' on XX/XX/XXXX, but they have produced XXXX evidence no IP address, no device fingerprint, no signature, no verifiable digital trail linking that consent to me personally. In the absence of such evidence, and in the presence of my sworn FTC identity theft report, the account must be treated as fraudulent. XXXX XXXX XXXX have also violated federal law. Under FCRA Section 605B, credit reporting agencies that receive an identity theft report from a consumer must block the reported information from appearing on the consumer 's credit report within XXXX business days and notify the furnisher. Despite my FTC identity theft report, both XXXX and XXXX continue to report the Goldman Sachs Apple Card as a valid charge-off with a past due balance of {$4400.00}. By failing to block this clearly disputed identity theft account, XXXX XXXX XXXX are actively harming my ability to obtain housing, employment, and credit. This is a direct violation of the FCRA. Specific violations alleged : XXXX. Goldman Sachs Bank USA Violation of FCRA 15 U.S.C. 1681s-2 ( b ) ( failure to conduct reasonable investigation with evidence provided ). XXXX. Goldman Sachs Bank USA Violation of FCRA 15 U.S.C. 1681g ( failure to provide records under Section 609 ( e ) after receiving identity theft report ). XXXX. Goldman Sachs Bank USA Violation of FCRA 15 U.S.C. 1681c-2 ( failure to block fraudulent information ). XXXX XXXX XXXX XXXX Violation of FCRA 15 U.S.C. 1681c-2 ( failure to block identity theft information after receiving official report ). XXXX XXXX XXXX XXXX Violation of FCRA 15 U.S.C. 1681i ( failure to conduct reasonable reinvestigation ). Relief requested : Immediate blocking of the Apple Card account XXXX from all credit reports. A written determination from Goldman Sachs confirming the account was fraudulent and that I have XXXX liability. Statutory damages permissible under FCRA for willful noncompliance. Removal of all derogatory marks, late payments, charge-off status, and past due amounts associated with this account from XXXX XXXX XXXX. Supporting documents attached : FTC Identity Theft Report ( dated XX/XX/XXXX ) Goldman Sachs response to prior CFPB complaint ( refusing to provide evidence ) Credit report showing continued reporting of fraudulent account as of XX/XX/XXXX Closing statement to CFPB This is my third complaint on the same issue. Goldman Sachs has failed to provide any forensic evidence no IP address, no device ID, no digital signature. They simply assert liability without proofXXXX XXXX XXXX XXXX continue to publish a fraudulent debt after receiving my official FTC identity theft report.

Company response to consumer: Closed with explanation