Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
I formally disagree with the response provided by Goldman Sachs Bank USA ( the Bank ) and submit this feedback to document ongoing inaccuracies, failures to comply with federal consumer protection laws, and unresolved identity theft issues related to an Apple Card account that I do not own, did not authorize, and did not benefit from. 

This feedback is submitted in connection with CFPB complaint number XXXX, which the Bank requested be closed with explanation. Because the Bank failed to properly address the substance of my dispute, I am also initiating a new CFPB complaint to ensure continued regulatory review of this matter. 

I. ACCOUNT OWNERSHIP IS EXPRESSLY DISPUTED The Banks response repeatedly asserts that I am liable for the account and that I electronically consented to the Apple Card Customer Agreement. I unequivocally dispute this characterization. 

I do not own this account, did not authorize its opening, did not authorize the charges or activity reported, and did not receive the benefit of any transactions associated with the account. Assertions of electronic consent alone do not establish that I was the individual who applied for, opened, or used the account. In cases of identity theft, reliance on automated application records without corroborating identity verification is insufficient. 

The Banks response does not demonstrate that it conducted a reasonable investigation into whether the account activity was authorized by me, nor does it provide evidence that the account was not the result of identity theft. 

XXXX. FTC IDENTITY THEFT REPORT FILED I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) stating that the Apple Card account issued by Goldman Sachs Bank USA and the associated activity were not authorized by me. 

This is a material and legally significant fact that the Bank failed to meaningfully address. Under federal law, including the Fair Credit Reporting Act ( FCRA ), once a consumer submits an identity theft report, furnishers have heightened obligations to : Conduct a reasonable and thorough investigation Cease furnishing information resulting from identity theft Block or correct inaccurate credit reporting related to identity theft The Banks response does not explain how it satisfied these obligations after receiving notice of identity theft. Merely asserting that no internal error occurred does not meet the standard required by law.

III. FAILURE TO COMPLY WITH FCRA OBLIGATIONS The Banks response conflates alleged contractual liability with its independent legal duties as a furnisher of information to consumer reporting agencies. These are distinct issues. 

Even if a financial institution claims a contractual relationship exists, it remains legally obligated to ensure that any information furnished to credit reporting agencies is accurate, complete, verifiable, and legally reportable, especially when identity theft has been alleged and documented. 

The Bank did not provide evidence demonstrating that the account was opened or used by me, nor did it explain how it verified identity beyond automated records. This failure raises concerns regarding compliance with the FCRAs requirement for reasonable investigations and accurate reporting. 

IV. ADMISSION OF INACCURATE CREDIT REPORTING In its response, Goldman Sachs Bank USA acknowledges that Equifax and TransUnion were not accurately reporting my bankruptcy during the investigation and that the Bank submitted update requests to those agencies. 

This admission confirms that inaccurate reporting occurred. Any period during which inaccurate, incomplete, or misleading information was furnished to consumer reporting agencies constitutes consumer harm, regardless of whether later corrections were requested. 

The Banks attempt to minimize this issue by stating that updates may take up to 30 days does not negate the fact that inaccurate information was furnished and persisted on my credit reports.

V. BANKRUPTCY DOES NOT OVERRIDE IDENTITY THEFT CLAIMS The Bank references a XXXX XXXX XXXX filing and asserts that collection efforts ceased upon notification. However, the presence of a bankruptcy filing does not resolve the underlying issue of whether the account itself was validly opened or authorized. 

Identity theft claims must be evaluated independently of bankruptcy status. Reporting obligations remain subject to FCRA requirements, and inaccurate reporting related to identity theft is unlawful regardless of bankruptcy proceedings. 

The Banks response does not address whether the account should have been reported at all once identity theft was asserted and documented. 

VI. LACK OF DOCUMENTARY EVIDENCE The Bank states that it is unable to provide additional information related to its investigation and that it can not provide signed documents because consent was electronic. This lack of documentation undermines the credibility of the Banks conclusions. 

If the Bank can not produce evidence demonstrating that I personally opened or authorized the account, it can not reasonably conclude that the account is mine. Assertions without evidence do not satisfy legal standards for investigation or reporting accuracy.

VII. PREVIOUS CFPB CASE CLOSURE AND NEW CASE INITIATION The Bank requested closure of CFPB complaint number XXXX, and that case was closed with explanation. However, closure of a CFPB complaint does not constitute a determination that the Banks actions were lawful or that the dispute has been resolved. 

Because the Bank failed to address the identity theft report, failed to provide evidence of authorization, and acknowledged inaccuracies in credit reporting, I am initiating a new CFPB complaint to ensure continued oversight and review of these unresolved issues. 

This feedback should be read as formal notice that the matter remains in dispute and unresolved.

VIII. PRESERVATION OF RIGHTS This feedback is submitted without waiver of any rights, claims, or remedies available to me under federal or state law. I expressly reserve the right to pursue additional regulatory complaints, credit reporting disputes, and legal remedies if inaccurate or identity-theft-related information continues to be furnished.

IX. CONCLUSION In summary : I do not own or authorize this account I have filed an FTC Identity Theft Report Goldman Sachs Bank USA failed to meaningfully address identity theft The Bank admitted inaccuracies in credit reporting The prior CFPB case was closed without resolution A new CFPB complaint is being initiated For these reasons, I remain dissatisfied with the Banks response and request that this feedback remain part of the CFPB record for ongoing regulatory review.

Company response to consumer: Closed with non-monetary relief