Consumer complaint received 2021-03-22
Company: ALLY FINANCIAL INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To whom it may concern, On XX/XX/XXXX I logged into my XXXX XXXX account when I realized that my credit score significantly decreasing by 11-12 points from Ally Financial where they stated my balance increased. ( See attached screenshots : XXXX Data XX/XX/XXXX XXXX Transunion XXXX XX/XX/XXXX ) At this point I then reached out to Ally Financial at XXXX and spoke to a representative named XXXX XXXX I informed her what was occurring and that I in fact was never late on a payment and there was no cause for them to place this claim with creditors and that this issue needs to be resolved immediately. At which point she responded with dont worry I have forwarded this to the appropriate department and this issue should be resolved by next month ( XX/XX/XXXX ). On XX/XX/XXXX Ally Financial created a letter and direct message on my mobile application ( see attached Ally XX/XX/XXXX XXXX & XX/XX/XXXX Ally Correspondence ). 

I then contacted Ally Financial once again on XX/XX/XXXX at XXXX and spoke to a representative named XXXX XXXX XXXX looked into my account and state I apologize XXXX provided you the incorrect information it actually takes about 45 business days which is about 2.5 months for everything to be resolved. To please reach back to us in the middle of XXXX and this issue will be resolved. On XX/XX/XXXX I spoke to representative XXXX who then disputed the request be removed and informed me to contact them back in a month and she assured me the credit dispute will be resolved. 

On XX/XX/XXXX, I spoke to a representative named XXXX at Ally Financial and she informed me that she sent another notice ( Case # XXXX ) and she apologized that this has taken 4 months to resolve, but not to worry this should straighten everything out and by the beginning of XXXX I should see this dispute resolved. She also informed me that in XXXX this credit score drop occurred to multiple peoples accounts and that this is the reason why its taking so long. XXXX See attached documents Ally XX/XX/XXXX Letter, XX/XX/XXXX Ally Correspondence, XX/XX/XXXX Ally Correspondence Part 2 ) I also attached a XX/XX/XXXX Ally credit report, showing that my account is in good standings and that this credit dispute should have never occurred. I has now been over six months and this credit dispute issue has not been resolved. I have tried multiple time to reach out to the company Ally Financial to resolve this issue and nothing is being done. This is absolutely absurd and needs to be resolved immediately! If you all can not help me to resolve this issue, please send me some information to who I need to reach out to in order resolve this credit dispute. 

Thank you, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation