Consumer complaint received 2021-05-28
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As i write this, I am in complete tears. i wrote about this company prior and still no resolution! They have lied in response to my complaint! I am seeking the best legal actions to take at this point! i wake up this morning to more false reporting! they have violated me enough! clearly 15 u.s. code 1692 meaning nothing to them! But the law is the law! I have endured so much hardship due to ally financial! everything about this debt is inaccurate information reported all across the board! not only do they refused to removed this off my credit completely! they continue to taunt me! adding more stress and XXXX to my daily life! this account was put as a charge off years ago! they claim to have sold the debt allegedly owed! yet they themselves are still reporting. While the other company continues to harassed me with letters. I am in the process of trying to Move due to the pandemic and XXXX XXXX dropped my credit 100 point due to ally reporting their lies! on a closed CHARGED OFF account! ( reporting that i have missed a payment this month )! on a closed/charged off account?? from 2018! like this back and forth is sooo stressful me continuously begging them to right there wrongs have sent me into a spirally XXXX! sending letters after letter to both ally and XXXX XXXX! now on XXXX XXXX ally is reporting it as new open account! i want this delete or i wan na find the best lawyers to take legal actions I am at working in tears writing this. I am unable to focus on my job. How can they do this and also allow another company to bully me by constantly sending me letters as well in reference to the same exacted debt! I NEED HELP! THIS IS XXXX AFFECTING ME! Ally financial is a horrible company that continue to falsely report inaccurate and egregious information and I NEED JUSTICE! they are putting me through XXXX! i have documents to back the letters ive sent! voice recordings for them claiming the gap insurance being rebated but i have full evidence that it is still open on a vehicle i have no possession of! down to the last payment they reported is inaccurate. This should be a crime! this is the last plead i am making! i need this removed from my credit expeditiously! or they will have to pay me for each inaccuracy they have ever reported on my Name. now because of them i may be homeless!

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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