Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
( REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT NOW ) This account must be PERMANENTLY DELETED from my credit report under FCRA 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 2 ), 623 ( b ), 607 ( b ), and 609 ( a ) ( 1 ). No corrections, no modifications Deletion is the only lawful outcome.

The information reported is incomplete, unverifiable, and legally noncompliant therefore, it can not remain under federal law. This tradeline : Displays inconsistencies across credit bureaus Has no validated contract or itemized documentation on file Has failed prior reinvestigations that relied on automated e-OSCAR code-only processes Violates the completeness and accuracy standard under FCRA 607 ( b ) I am aware of the CFPBs XXXX federal enforcement against XXXX for engaging in sham investigations and knowingly misusing XXXX automation to avoid forwarding consumer documents, resulting in inaccurate verification outcomes. I am demanding deletion, not correction, because this item can not be verified through source documentation as required under FCRA 611 ( a ) ( 5 ) ( A ). Per the law, if an item can not be verified, it must be promptly deleted, not partially edited or marked disputed. 
This dispute is not based on identity theft or fraud, but rather your failure to obtain legally sufficient evidence from The data furnisher, which under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  is grounds for immediate deletion. 
Should you fail to remove this item, I will escalate to the CFPB, my State Attorney General, and initiate legal action under FCRA 616617 for willful and negligent noncompliance. 

This is your final opportunity to comply. 
No documentation = No continued reporting AND DELETE Upon careful review, these inquiries are : 1. Inaccurate and unverifiable No permissible purpose or signed authorization exists that legally justifies these inquiries.

2. Reported in violation of FCRA 604 ( a ) ( 3 ) These inquiries were not initiated by me and were made without a legitimate permissible purpose as defined by law. 
XXXX. Incomplete reporting under XXXX XXXX standards The furnishing entities failed to provide proper coding and field compliance that meet regulatory requirements. This discrepancy triggers a XXXX XXXX field compliance error, which mandates correction or deletion. 
As you are aware, XXXX automated verification can not legally replace a factual investigation under FCRA 611 ( a ) ( 2 ). You are obligated to conduct a reasonable reinvestigation based on the specific information provided here. 
The continued reporting of these inquiries without proper verification is a willful violation of the FCRA and will be escalated. 
I demand the immediate removal of these inquiries within XXXX days, as required by law, and that a written confirmation of deletion be sent to me upon completion of your reinvestigation. If these unauthorized inquiries are not removed, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulators for non-compliance and violation of my consumer rights. 
This is your final notice. The use of automated response systems ( e.g., XXXX ) is insufficient, and I will not tolerate a form letter response. This dispute requires manual handling and proper documentation of investigation steps to ensure compliance. 
Failure to remove these inquiries constitutes a serious violation of federal law and consumer protection regulations, and I will pursue all available legal remedies without further notice. 

Legal Demand for Deletion & Verification Under FCRA 1681i ( a ) ( 5 ) ( A ), if the disputed information is found to be inaccurate or unverifiable, it must be permanently deleted from my credit report. In accordance with 1681i ( a ) ( 6 ) ( B ) ( iii ), I am also formally requesting the Method of Verification used during your investigation. 

Failure to investigate and respond within 30 days will result in a violation of federal law, making your agency liable under 1681n and 1681o for both willful and negligent noncompliance.

Company response to consumer: Closed with explanation