Consumer complaint received 2025-07-02 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN ( last XXXX ) : XXXX : XX/XX/XXXX Goldman Sachs Bank XXXX  XXXX. XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Account # XXXX * * Pattern of Inaccurate and Incomplete Charge-Off Reporting Demand for Deletion * * To the XXXX XXXX  XXXX : On XX/XX/XXXX, I filed a formal dispute through the CFPB XXXX regarding the above-referenced Apple Card charge-off. On XX/XX/XXXX, Goldman Sachs responded with non-monetary relief, providing account agreements and statement historybut you failed to correct or delete the tradeline despite glaring errors that breach multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Below is a non-exhaustive list of your material violations : Inconsistent Date Opened ( TransUnion : XX/XX/XXXX vs. Experian/Equifax : XX/XX/XXXX ) violates FCRA XXXX ( b ) XXXX requirement for accurate reporting. 
Contradictory XXXX XXXXt ( {$4400.00} vs. {$0.00} ) and XXXX XXXX ( {$4000.00} vs. {$0.00} ) further proof you are furnishing incomplete, misleading data ( FCRA XXXX ( b ) ). 
Mismatched Date Last Active ( XX/XX/XXXX vs. XX/XX/XXXX vs. XX/XX/XXXX ) and Date of Last Payment ( XX/XX/XXXX vs. XX/XX/XXXX ) you can not verify these key dates, yet you continue reporting them ( FCRA XXXX ( a ) ( XXXX ) ). 
Continuous Monthly Charge-Off Status on Experian for XXXX consecutive months, despite Equifax showing XXXX OK status a charge-off is a one-time event ; your ongoing CO designations materially misrepresent account history ( FCRA XXXX ( XXXX ), XXXX ). 
Failure to Reinvestigate Properly you merely resupplied statements rather than addressing or correcting discrepant data, in breach of your reinvestigation obligations under FCRA XXXX and XXXX ( b ). 
Lack of XXXX XXXX you acknowledge securitization concerns in my original dispute yet refuse to produce any assignment history or proof of continuing reporting rights, in violation of FDCPA XXXX ( b ). 
Because of these willful and negligent violations, I demand that within XXXX business days of your receipt of this letter you must : Delete this tradeline in its entirety from my consumer reports with Equifax, Experian and TransUnion, and Provide me written confirmation of each deletion ( including the date each CRA was notified ). 
Alternatively, if you claim to possess verifiable, XXXX XXXX evidence for every data field you furnish, produce a complete reinvestigation reportfailing which you must remove the tradeline. 

Should you fail to comply, be advised that I will : Invoke Arbitration under my Customer Agreement with Goldman Sachs Bank USA by filing a Demand with the XXXX XXXX XXXX ( XXXX ), XXXX XXXX, Floor XXXX, XXXX XXXX, NY XXXX go.adr.org ; File Complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and Virginia XXXX XXXX  for ongoing FCRA/FDCPA violations ; and Seek Statutory Damages under FCRA XXXX XXXX up to {$1000.00} per violation ), punitive damages, and recovery of attorneys fees. 
I look forward to your prompt confirmation of the tradelines deletion. 

Sincerely, XXXX XXXX XXXX : Equifax XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX. 
TransUnion XXXX Consumer Financial Protection Bureau Virginia Attorney XXXX XXXX

Company response to consumer: Closed with explanation