Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Dear CFPB and Goldman Sachs Bank USA, Thank you for the response regarding my complaint. However, I respectfully disagree with the findings and conclusions presented in the investigation. Several issues remain unresolved, and additional information is necessary to clarify the matter. 

Key Points of Dispute : Dispute of Reporting Accuracy and Request for XXXX XXXX : I assert that the reporting of my account contains inaccuracies related to payment history, the date of the last payment, and the date of first delinquency. 
To ensure transparency and compliance with the Fair Credit Reporting Act ( FCRA ), I formally request a complete XXXX XXXX of my consumer file. This includes all communications, updates, and investigations conducted by the Bank and provided to credit reporting agencies. 
Legal Obligation to Perform a Reasonable Investigation : Under the FCRA ( 15 U.S.C. 1681s-2 ( b ) ), furnishers of information have a duty to conduct a reasonable investigation when a consumer disputes information. Case law supports that merely verifying information without considering evidence provided by the consumer does not satisfy this obligation. See : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Furnishers must conduct a reasonable investigation to ensure the accuracy of the information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Creditors can not blindly rely on internal records when those records contain errors, as this constitutes negligence under the FCRA. 
Goldman Sachs Banks response does not provide evidence of such a thorough investigation. 
Failure to Validate Specific Disputed Information : The Bank has not addressed the central issue of inaccurate reporting of payment history, last payment date, and date of first delinquency. Stating that the account was reported accurately without addressing specific inaccuracies violates FCRA obligations. 
Harm to Creditworthiness : The inaccurate reporting has caused significant harm to my creditworthiness and resulted in denial of financial opportunities. 
Resolution Sought : To resolve this matter, I request the following actions : Audit Trail : Provide a detailed audit trail showing the process and findings of the Banks investigation into my dispute, including all records of communication with consumer reporting agencies. 
Correction of Errors : Address and correct the inaccuracies in my credit reporting, including payment history, dates of delinquency, and charge-off status. 
Detailed Explanation : Supply a detailed explanation of the methodology and steps used during the investigation of my dispute, including any external verification conducted. 
Case Law Supporting My Claims : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Establishes that furnishers of credit information must perform reasonable investigations and can not rely solely on internal records. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Indicates that reliance on inaccurate internal records constitutes negligence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Confirms that furnishers must correct inaccurate information or mark it as disputed in a consumers credit report. 
If these actions are not promptly taken, I will have no choice but to escalate this matter further, including seeking relief through federal court under the FCRA and other applicable laws. 

Thank you for your time and attention. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief