Consumer complaint received 2019-03-09
Company: ALLY FINANCIAL INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ally Financial , Inc. is reporting False in the month of XX/XX/2018. In the month of XX/XX/2018, on my XXXX, XXXX and XXXX credit reports, Ally Financial , Inc. is reporting a 30 day late notification when I have never submitted a payment late. I am consistently asking Ally Financial, Inc for  documentation proving I was late, consistently asking the 3 credit bureaus for an investigation and consistently wasting my time. I have written and submitted letters asking to verify the debt lateness and dates of the debt to no avail. My rights have been violated. 

THE 3 BUREAUS AND Ally Financial , Inc ARE IN VIOLATION OF MY CONSUMER RIGHTS by NOT providing me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Providing me with  the consumer contract would verify this account is reporting WRONG. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. AND Ally Financial, Inc is also VIOLATING MY RIGHTS. Being ignored and hurting my lending abilities is NOT OK. The credit bureaus sent several letters indicating the account was verified yet NEVER sent evidence indicating the account was late. Its THEIR duty mandated by law, to investigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. 

At this point, I hereby CONDITIONALLY ACCEPT your demand for payment in the above named matter upon your complete and total fulfillment of the following conditions : Condition # 1 : Please provide evidence as to the 30 day lateness on this account. 

NOTICE : Contacting me again without first properly documenting that I have any obligation to you or your claimant pertaining to the above referenced account number, after Verifiable Receipt of this Notice of Conditional Acceptance, will establish and constitute that you deliberately intend to use interstate communications in a scheme of fraud by using further threats, intimidations, deceptions and/or enticements to coerce me to commit some act creating a legal obligation and/or XXXX where none exists, previously or presently, as well as constituting that you and/or your firm knew or should have known that by such communication, what you have heretofore attempted to do was, and is, false and therefore unlawful. Moreover, until or unless you have fully satisfied all of my demands and claims as stated herein and previously, as well as provided by numerous laws and regulations, both Federal and State, pertaining to this alleged claim, which the courts and/or others who rely upon such written communication may well judge such acts by you as deliberately intended to impair or damage my credit rating, my reputation, my standing in the community as well as to intentionally inflict financial and emotional harm upon me, and assure you that you do so at your own peril and risk. You have twenty one ( 21 ) days from receipt of this  Conditional Acceptance to respond on a point-by- point basis, via sworn Affidavit, under your full commercial liability, signing under penalty of perjury, that the facts contained therein are true, correct and complete, and not misleading in any manner whatsoever. Declarations are an insufficient response, as declarations permit lying by omissions, which no honorable draft may contain. Your failure to accept my Conditional Offer of Settlement by producing each and every requested answer, record and/or documentation, or in the alternative, sending me written withdrawal of your claim, ( summary judgment ), will constitute your stipulation that I have no duty or obligation to any portion of the above aforementioned debt whatsoever, and that you have no right or basis to pursue any further collection. Be advised that notice to any agent in your firm or under your employ regarding this Conditional Offer of Acceptance in  considered notice to any and all principals. Further, your failure to fully and completely respond on a point-by-point basis, as well as ANY ACTIVITY by you or your Firm to secure payment with a Writ of Garnishment, before responding to this Conditional Acceptance, shall be deemed as an Agreement with the facts as stated in the attached Affidavit, and shall be further deemed an Automatic Dishonor of this Conditional Acceptance and your Agreement by you and/or your firm to the immediate payment of { {$75000.00} } USD, payable to ME as compensating damages.Signed from without the United States in accordance with 28 U.S.C., Sec. 1746 ( 1 ). All rights are reserved without prejudice, UCC 1-207 and RCW 62A.1-207.

I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on

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