Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate & Unverifiable Account Reporting File No. XXXX To Whom It May Concern : This letter is a formal notice of dispute concerning an account currently appearing on my credit report, maintained by TransUnion, under the following details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number ( Partial ) : XXXX XXXX XXXX XXXX XXXX XXXX  Status XXXX XXXX XXXX   Charged Off XXXX XXXX XXXX   Balance Reported XXXX XXXX XXXX  {$360.00} XXXX XXXX XXXX  Date Closed XXXX XXXX XXXX XXXXXX/XX/XXXX I am disputing the completeness, accuracy, and verifiability of this item in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S. Code 1681 XXXX XXXX  et seq. XXXX XXXX XXXX XXXX XXXX LEGAL VIOLATIONS & REQUESTED ACTION : 1. XXXX XXXX Violation of 15 U.S. Code 1681e ( b ) : XXXX XXXX TransUnion is legally obligated to assure the XXXX XXXX maximum possible accuracy XXXX XXXX  of the data it reports. The Apple Card account in question contains inaccuracies in the payment history and charge-off designation that are not corroborated by proper documentation or context. 

2. * * Violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : * * You must reinvestigate this account and verify it * * with original, documented evidence from the data furnisher * *, not just an automated system or third-party source.

3. * * Violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) : * * If you are * * unable to verify * * the accuracy and completeness of this account within the 30-day timeframe, it must be * * permanently deleted * * from my credit report.

4. * * Violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( C ) : * * Should you reinstate this item after deletion, you must notify me in writing * * within 5 business days * * with proof of its re-insertion.

5. * * Violation of 15 U.S. Code 1692g ( b ) * * ( if a debt collector is involved ) : If this debt has been transferred or sold to a collection agency, they must cease all collection efforts until validation of the debt is provided.

-- - # # # DEMAND : I demand that TransUnion conduct a thorough and independent reinvestigation of this account. If the original creditor ( Goldman Sachs Bank USA ) can not provide * * documented verification * *, including signed agreements and account-level detail, then this item must be * * immediately and permanently deleted * * per the FCRA.

You are further instructed to notify me in writing of the results of your reinvestigation and provide me with an updated credit report within * * 30 days * *, per 15 U.S. Code 1681i ( a ) ( 6 ). 

Please note : This is not a request for a correction. This is a formal demand for * * complete deletion * * of an unverifiable, potentially inaccurate, and damaging record. 

Sincerely, XXXX : XX/XX/XXXX File Number : XXXX

Company response to consumer: Closed with explanation