Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am submitting this formal refiling complaint against APPLE CARD XXXX XXXX XXXX  XXXX for its continued furnishing and republication of false, incomplete, misleading, and unverifiable information on my consumer credit reports. Despite receiving prior written disputes and supporting documentation, APPLE CARD XXXX XXXX XXXX XXXXXXXX has failed to comply with its mandatory duties as a furnisher of consumer credit information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 and 1681i, and the California Consumer Credit Reporting Agencies Act ( CCCRAA ), California Civil Code 1785.101785.25. The continued reporting of known inaccuracies after notice constitutes negligent and willful noncompliance with federal and state consumer protection law. 

Inaccurate and misleading charge-off reporting The account at issue is reported as follows : Creditor : Apple Card XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX Date opened : XX/XX/year> Reported balance : {$3300.00} This account is inaccurately reported as a charge-off despite having been paid and settled prior to any lawful or valid charge-off status. Reporting a charge-off where the obligation has been satisfied is materially false, misleading, and highly damaging, as it falsely portrays severe delinquency and default that never occurred. This misrepresentation directly undermines my creditworthiness and financial reputation. 

Violations of furnisher duties under federal and state law Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( FCRA 623 ( a ) ( 1 ) ( A ) ) and California Civil Code 1785.25 ( a ), furnishers are expressly prohibited from reporting information they know, or have reasonable cause to believe, is inaccurate. In addition, 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( FCRA 623 ( a ) ( 2 ) ) imposes an affirmative duty to promptly correct and update information that is incomplete or inaccurate. 

After receiving notice of my disputes through the consumer reporting agencies, APPLE CARD XXXX XXXXXXXX XXXX XXXXXXXX was further required under 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( FCRA 623 ( b ) ) and California Civil Code 1785.26 ( b ) to conduct a reasonable, good-faith reinvestigation and to correct or delete any inaccurate information. Instead, APPLE CARD XXXX XXXX XXXXXXXX  XXXX continued to furnish a false charge-off status to XXXX XXXX and XXXX  without producing competent or verifiable evidence supporting its accuracy. 

Reliance on automated systems, cursory reviews, or internal summaries that conflict with payment and settlement records does not satisfy the statutory reinvestigation requirement. 

Willful and negligent noncompliance and consumer harm The continued reporting of a false charge-off after notice constitutes both negligent and willful noncompliance under 15 U.S.C. 1681n and 1681o ( FCRA 616617 ). This inaccurate reporting has caused measurable harm to my credit scores, limited my access to fair and competitive credit, increased borrowing costs, and damaged my financial reputation, resulting in concrete and ongoing injury. 

Additionally, the refusal to correct or delete this known inaccuracy constitutes an unfair and deceptive business practice in violation of California Business and Professions Code 17200, which prohibits business conduct that causes consumer harm through deception or unfair practices. 

XXXX XXXX noncompliance and data integrity failures As a furnisher of credit data, APPLE CARD XXXX XXXX XXXX XXXX is required to comply with XXXX XXXX reporting standards, which mandate complete, accurate, and verifiable data integrity. The failure to update or remove this erroneous charge-off notation, despite clear evidence of payment and settlement, reflects a breakdown in data integrity controls and a reckless disregard for consumer protection obligations.

Company response to consumer: Closed with non-monetary relief