Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
NOTICE OF DISPUTE OF INACCURATE REPORTING, MISAPPLICATION OF REPORTING CYCLE, AND DEMAND FOR REMOVAL OF LATE PAYMENTS Date : __________ To : Apple Card Services / Goldman Sachs Bank USA From : XXXX XXXX XXXX RE : XXXXnaccurate Credit Reporting and Improper Late Payment Reporting To Whom It May Concern, I am submitting this formal dispute regarding the inaccurate reporting of my account associated with the Apple Card. BACKGROUND My account statement closing date is the 31st of each month. I consistently make payments prior to the statement closing date, ensuring that my account remains current and in good standing. However, I have identified a serious reporting inconsistency : My account is reported accurately to other consumer reporting agencies based on the statement closing balance However, reporting to Experian is occurring off-cycle, approximately every three weeks This off-cycle reporting reflects new balances after the statement closing date, not the actual statement balance ISSUE Because of this improper reporting cycle : My account reflects higher balances than what is accurate at the statement closing date This creates the false appearance of increased utilization More importantly, it has resulted in late payment reporting that is inaccurate and misleading I do not make late payments. I pay my account in accordance with the billing cycle and prior to the statement closing date. VIOLATIONS This conduct constitutes violations of the Fair Credit Reporting Act, including : 15 U.S.C. 1681e ( b ) : Failure to assure maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) : Furnishing inaccurate information 15 U.S.C. 1681s-2 ( b ) : Failure to properly investigate disputed information Reporting balances outside the statement cycle that create inaccurate payment history is misleading and does not reflect my true payment behavior. DAMAGES As a result of this inaccurate reporting : My credit profile has been negatively impacted My utilization has been artificially inflated My ability to obtain credit, including mortgage financing, has been adversely affected DEMAND FOR CORRECTION I hereby demand the following : Immediate removal of all inaccurately reported late payments associated with this account Correction of all reporting to reflect statement closing balances only Confirmation of the reporting schedule used for all consumer reporting agencies Written confirmation that my account will be reported accurately going forward NOTICE OF INTENT If this matter is not resolved promptly, I will : File a formal complaint with the Consumer Financial Protection Bureau File complaints with all applicable regulatory agencies Pursue legal action for damages resulting from inaccurate reporting FINAL NOTICE This is a matter of inaccurate reportingnot a billing dispute. I expect full compliance with federal law and immediate correction of my credit file. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation