Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
This letter will serve as a demand letter/intent to sue notice required by XXXX XXXX XXXX XXXX. On XX/XX/year> I filed a dispute with the XXXX  credit bureau regarding a fraudulent account reporting on my credit file. I sent an identity theft report, a copy of valid government identification, a ftc identity theft report, and a police report including a letter stating the items werent authorized by me and a request for the items to be blocked. The following accounts were listed : -Apple Card Gs Bank XXXX XXXX XXXX {$10.00} On XX/XX/year> I called Apple Goldman Sachs and spoke with a gentleman who XXXX XXXX XXXX in the fraud department. He stated that their department had received the identity theft claim and investigated the fraud claim He stated that the account was closed as fraud and taken out of my name. He verified the address on the account which was ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) which is an address that Ive never lived at before. He said the application was applied through a mobile app with a phone number that is located in Georgia that, I never have had. He also verified an email address : ( XXXX ) that is not my email addressl. The ( address, phone number, and email address are fraudulent and they DO NOT belong to me ). He also verified that they DO NOT have a signature on file for the application that was used for this fraudulent account. 


I received a notification from the credit bureau that the account was reported back to my credit file on XX/XX/year>. I called the fraud department again and spoke to a manager. Who verified that the account was closed as fraud and they dont have an account in my name. She stated that she didnt have any notes in their system that show that an account was still open nor reporting to a credit bureau with my social security number.

This is a blatant violation of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

XXXX credit bureau blocked this account off of my credit file per the : FCRA-15 USC 1681c-2 . This federal statute explicitly requires consumer reporting agencies, except as otherwise provided, to block the reporting of any information within a consumers file that the consumer identifies as being a consequence of identity theft. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of. 



After the account was blocked from my credit file with XXXX  credit bureau. You had this fraudulent account to be reported back to my credit file and validated as accurate information reporting. After all of the information was sent to you which validates that this fraudulent account ending in # XXXX is a fraud account that was opened in my name without my consent, authorization, and permission. 


In the event, that we fail to come to a resolution the lawsuit will be for the following violations : Violation of the fair credit reporting act and violation of the CFPBs Notice to Furnishers of Information. Which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Simply stating that Im responsible for this account and that the account has been validated. A fine of no more than {$5000.00} will be imposed for every day after the reasonable time period of 5 business days. I received notificationXXXX days after the credit bureau provided a ftc theft report to you that the request for blockage was submitted. You validated the account and notified XXXX credit bureau to report the account back to my credit file. So, I will be seeking a total of {$15000.00} for that violation. 



I also will be seeking damages for failure to support validate documentation. Your actions and negligence contributed to my identity being stolen, and you failed to properly address the theft and still made me responsible for this fraudulent account. You allowed someone to use my personal information through a mobile app to apply for a credit card without my authorized signed signature. You were negligent in protecting my information, such as failing to implement adequate security measure. You refuse to properly investigate or remove a fraudulent account that is identity theft. You have a fiduciary duty to protect my personal information, and failed to protect my personal information. You failed to properly investigate and remove this fraudulent account off of my credit file. I also will be seeking damages for fraud, debt 's legitimacy, and shoddy bookkeeping. I will be seeking XXXX for all of these violations. 
The following fraudulent account are still listed on my report are as states : Apple Card Gs Bank, XXXX # XXXX, balance- {$10.00}. I am enclosing a completed, ftc identity theft report, police report, a letter listing the account, and a copy of the CFPB NOTICE TO FURNISHERS for you to adhere. Because you are in violation, it cant be overlooked. This ordeal has caused me financial and emotional trauma. I will settle for {$25000.00} and the removal of the items identified as theft, and we can keep it out of court. Items are to be removed within a 14 day time frame and a letter sent to the address in this complaint above as confirmation. I hope that this can be resolved in a timely fashion. I look forward to hearing from you soon.

Company response to consumer: Closed with non-monetary relief