Apple Card or Goldman Sachs put wrong information on your credit report?

Who issues Apple Card and what gets reported

Apple Card is a Mastercard credit card offered by Apple and issued by Goldman Sachs Bank USA, Salt Lake City Branch. Goldman manages the accounts, decides disputes and reports each cardholder’s balance, credit limit and payment history to the credit bureaus. Under the FCRA, that makes Goldman a “furnisher,” with a legal duty to investigate disputes that the bureaus forward to it.

The program is changing hands. In January 2026, Apple and Chase announced that Chase will become the new issuer of Apple Card. Apple says the transition is expected to take approximately 24 months and is subject to closing conditions and regulatory approvals, that Goldman Sachs will continue servicing the card until the move is complete, and that credit reports will then show Chase as the issuing bank. Until that happens, Goldman is the company responsible for what your Apple Card tradeline says. A transfer of millions of accounts is also a time to check your reports closely, because an account history should carry over accurately, not restart, duplicate or drop on-time payments.

What the CFPB found about Apple Card

On October 23, 2024, the CFPB issued an order against Goldman Sachs Bank USA over Apple Card. The Bureau found that Goldman violated the Truth in Lending Act and Regulation Z by:

• missing deadlines for sending dispute acknowledgments and resolution letters;
• reporting amounts that consumers had disputed as billing errors to consumer reporting companies before finishing the billing error investigation;
• failing to reasonably investigate disputes that qualified as billing error notices; and
• holding consumers liable for unauthorized charges before conducting a reasonable investigation.

The CFPB also found that Goldman’s delays in resolving transaction disputes were unfair, that its board had been warned before the 2019 launch that the dispute system was “not fully ready,” and that Goldman misled consumers about the Apple Card Monthly Installments program, including how refunds were applied. Goldman was ordered to pay $19.8 million in redress and a $45 million civil penalty. Apple separately agreed to a $25 million penalty.

That order does not establish anything about your account. But it is a regulator’s finding that disputed amounts reached credit reports before disputes were resolved, which is exactly where FCRA claims tend to start.

Common Apple Card reporting errors

• Disputed charges reported as owed. You disputed a charge in the Wallet app, and the amount still pushed your balance up or led to a late mark.
• Refund and installment mix-ups. A return or Monthly Installments credit applied to the wrong balance, leaving a “missed” payment that shouldn’t exist.
• Fraud. Unauthorized charges, or an Apple Card opened in your name by someone else.
• Hardship payments reported as late. Payments made under an agreed assistance program reported as delinquent.
• Transition errors. Duplicate tradelines, a wrong open date, or lost on-time history when the account moves to a new issuer.

How to dispute an Apple Card tradeline

1. Pull your reports from AnnualCreditReport.com and save dated copies. Take screenshots of the transaction, dispute status and payment history in the Wallet app, since that is where most Apple Card records live.
2. Dispute with each bureau showing the error through Equifax, Experian and TransUnion. Be specific: “The $1,200 charge was disputed as unauthorized on March 3 and should not be reported as owed,” and attach your screenshots and messages.
3. You may also dispute directly through the Apple Card support options in the Wallet app. A direct billing dispute has its own rules under the Truth in Lending Act, but on its own it does not create an FCRA claim against Goldman.
4. For identity theft, file a report at IdentityTheft.gov and ask each bureau to block the fraudulent information under 15 U.S.C. § 1681c-2.
5. Track the results. Bureaus generally have 30 days to reinvestigate, and Goldman must finish its investigation in that time (§ 1681s-2(b)(2)).

Sending the dispute through the bureaus is the key step. Consumers have no private right of action under § 1681s-2(a), which covers a furnisher’s general accuracy and identity theft duties. The claim you can bring is under § 1681s-2(b), and it arises after a bureau notifies Goldman of your dispute and Goldman fails to conduct a reasonable investigation or correct the reporting.

Your FCRA rights

• Furnisher investigation (§ 1681s-2(b)). Goldman must review what the bureau sends, including your documents, and modify, delete or block information that is inaccurate, incomplete or unverifiable.
• Disputed status. If Goldman keeps reporting an account you have disputed, reporting it without noting the dispute can itself be misleading.
• Identity theft blocking (§ 1681c-2). Bureaus generally must block fraudulent information within four business days of a proper request.
• Bureau duties (§§ 1681e(b), 1681i). A bureau that keeps an Apple Card error on your report after a dispute may face a separate claim.

What you may recover

For a negligent violation, you may recover actual damages, including credit denials, higher rates and emotional distress, plus attorney’s fees and costs (15 U.S.C. § 1681o). For a willful violation, you may recover actual damages or statutory damages of $100 to $1,000, punitive damages as the court allows, and attorney’s fees and costs (§ 1681n).

Get a free case review before your deadline

FCRA claims generally must be filed within two years after you discover the violation and no later than five years after it occurred (15 U.S.C. § 1681p). If Goldman is reporting a disputed charge, a fraud balance or a late payment on your Apple Card that you have already disputed through the bureaus, save your records and request a free case review. FCRA Attorneys, with offices in Dallas, Houston, Chicago, Los Angeles and Atlanta, files FCRA cases in federal court and works on contingency: no fee unless we win. Learn more about our FCRA lawyers or see our other company guides.

Questions about suing Goldman Sachs (Apple Card)

Can I sue Goldman Sachs over my Apple Card credit reporting?

Possibly. Goldman Sachs Bank USA is the furnisher that reports Apple Card accounts. If you dispute through Equifax, Experian or TransUnion and Goldman fails to reasonably investigate and correct inaccurate information after the bureau notifies it, you may have a claim under 15 U.S.C. § 1681s-2(b).

Is Apple Card moving to Chase?

Apple and Chase announced in January 2026 that Chase will become the new issuer of Apple Card, in a transition Apple says is expected to take approximately 24 months, subject to closing conditions and regulatory approvals. Apple says Goldman Sachs will keep servicing the card until the transition is complete, and that afterward credit reports will show Chase as the issuing bank. Check how your account reports before and after the move.

What did the CFPB find about Apple Card disputes?

In an October 23, 2024 order, the CFPB found that Goldman missed deadlines on billing disputes, reported disputed amounts to credit reporting companies before finishing its billing error investigations, and did not reasonably investigate some disputes. Goldman was ordered to pay $19.8 million in redress and a $45 million penalty; Apple separately agreed to a $25 million penalty.

What does it cost to hire FCRA Attorneys?

Nothing up front. We handle FCRA cases on contingency, so there is no fee unless we win, and the FCRA shifts reasonable attorney's fees and costs to the company when the consumer prevails (15 U.S.C. §§ 1681n, 1681o).

Sources

• CFPB enforcement action: Goldman Sachs Bank USA (order October 23, 2024)
• Apple Card: transition to Chase (Apple FAQ)
• Chase newsroom: Chase to become new issuer of Apple Card

Updated November 2026. This page is general information, not legal advice.