Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
b'Subject: Final Legal Notice  Demand for Sanctions and Legal Action for Willful Violation of Bankruptcy Code and FCRA\n(Account Number: XXXX XXXX XXXX XXXX)\n\nTo Whom It May Concern,\n\nThis letter is written to advise Goldman Sachs Bank USA that your repeated failures to respond to my lawful requests and your continued unlawful post-bankruptcy credit reporting now constitute willful violations of both the United States Bankruptcy Code and the Fair Credit Reporting Act (FCRA).\n\n1. Background\nI filed for XXXX XXXX XXXX on XXXX XXXX XXXX and received a discharge on XXXX XXXX XXXX, in which the above-referenced Goldman Sachs account was listed and discharged. Despite this, Goldman Sachs has:\n\nFailed to respond to my formal FCRA dispute dated XXXX XXXX XXXX, filed via the CFPB portal, and again on XXXX XXXX XXXX, in my follow-up demand for verification (attached);\n\nContinued to report the account as XXXX  DAYS LATE. and outstanding, which misrepresents the legal status of the debt;\n\nFailed to update the account to reflect the bankruptcy status, and discharge in accordance with XXXX XXXX reporting guidelines and industry standards;\n\nWillfully disregarded the discharge injunction by maintaining derogatory information post-discharge, thereby engaging in prohibited collection activity under 11 U.S.C.  524(a)(2).\n\n2. Violations\nYour continued inaction constitutes:\n\nWillful noncompliance with FCRA  1681i(a)(7), 1681e(b), and 1681s-2(b);\n\nNegligent and willful violations of the discharge injunction under 11 U.S.C.  524, as you have failed to cease reporting and have not updated the tradeline to reflect its discharged status;\n\nBad faith conduct, causing reputational harm, emotional distress, and a direct interference with my fresh financial start post-bankruptcy.\n\n3. Demand for Immediate Legal Remedy\nI hereby demand the following be completed within 10 calendar days from the date of this notice:\n\nPermanent deletion of the Goldman Sachs account from my credit file with XXXX XXXX XXXX XXXX;\n\nA written response confirming deletion and cessation of any collection or reporting activity;\n\n4. Intent to Seek Sanctions and Legal Relief\nIf your institution fails to comply, I will pursue the following without further notice:\n\nA motion for sanctions filed with the U.S. Bankruptcy Court for violation of the discharge injunction;\n\nA civil complaint in federal court for FCRA violations;\n\nFormal complaints with the FTC, and Illinois Attorney General;\n\nA demand for actual, statutory, and punitive damages, as well as attorneys fees and costs under FCRA  1681n and 1681o, and 11 U.S.C.  105(a) for contempt of court.\n\nI am prepared to provide full documentation, including certified mail records, credit reports, and prior CFPB submissions, as well as evidence of willful non-response.\n\nLet this serve as your final legal warning. Your institutions continued violations are actionable and will be pursued fully if not rectified immediately.'

Company response to consumer: Closed with non-monetary relief