Consumer complaint received 2025-01-04 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: GA

Complaint narrative:
Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Last 4 of XXXX : XXXX Hello. I am contacting the CFPB today to detail my recent experience with Apple and the Apple Card. 

On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a fraudulent credit card account opened in my name with GS Bank USA ( Apple Card ). Two days later, I received a response from Apple stating that I was somehow found liable for this account. The response included the instruction, If not already submitted, submit the following documents if you would like this decision to be reconsidered. For your reference, I have attached Apples email, a screenshot of the CFPB complaint ( # XXXX ), and the initial documents submitted with the complaint, including the FTC Identity Theft Affidavit. 

My concern lies in the timeframe of Apples investigation. In just XXXX days, a determination was made that this account is mine, despite my submission of multiple identity theft reports and supporting evidence. Apple has not disclosed the methods used to verify the accounts ownership, which leaves me questioning how this conclusion continues to be reached given the extensive evidence I have provided. Apple, along with XXXX and XXXX, appear to have failed to complete a thorough review of the information submitted. This fraudulent account has had a severe and lasting impact on my credit report. In an attempt to resolve this issue, I even paid the balance on the accountdespite not being liablehoping this would prompt a deeper review of my case. However, I am still facing the consequences of someone elses wrongdoing. 

On XX/XX/XXXX, I submitted another complaint with the CFPB with just Apple Card, requesting the verification methods used for this account. They have now failed to comply with the given time constraints ( 4 business days ) ; the number of business days that have accrued at the time of this complaint is 5. This non-compliance now must result in the removal of this account from my credit report, under FCRA 605B ( 15 U.S.C. 1681c-2 ). Apple Card failed to supply the requested information, XXXX and XXXX are aiding in the reporting of a fraudulent account, and it must be removed from my credit report immediately following receipt of this complaint. 

After researching the appropriate legal steps, I am formally requesting that Apple Card, XXXXXXXX, and XXXX, under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), block this fraudulent information on my credit report resulting from identity theft. According to this statute, this action must be completed within XXXX business days of receiving this complaint. I have again provided all relevant details and documentation for the affected accounts below for your review. 

XXXX XXXX  XXXX Acct No. : XXXX Date Opened : XX/XX/XXXX I dont recognize this account. I did not authorize this and because of an evil roommate, I must suffer for his terrible actions. I did not make, open, or initiate this account. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to Apple, XXXX, and XXXX, as proof from the US Federal Trade Commission that the account mentioned above is the result of identity theft and fraud. I have reports dating back to XXXX. I have been reporting this account to the FTC for almost a year, and all of these entities refuse to take me seriously.

Company response to consumer: Closed with non-monetary relief