Consumer complaint received 2019-07-23
Company: ALLY FINANCIAL INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Ok On my credit report it shows two accounts for XXXX XXXX   and a whole bunch of others accounts that were opened individually under my name, now I just recently went through a divorce so I didnt payed much attention to it because ex wife just picked up and left so I got left behind with all the bills, house, car payment and utilities so in the end I had to sell the house because ex wife wanted her part ok fine so I sold it, then I knew my credit was bad didnt found out it was that bad XXXX credit score so I spent about XXXX plus to bring it up to a XXXX with in 3 months, so now again slowly but surely is going down now I had to close down my business and relocate also because I couldnt afford now I have no money business is slow, and cant even afford my car payment, so I been monitoring my credit through XXXX for about 8 months now but I payed extra to have all 3 houses monitored got me a couple of secure credit cards and still is just like yea some of the accounts are gone and some just switched over names but still my total debt is XXXX XXXX dollars and now I really see that is exhausting as in theres no point on fixing my credit because someone did fraud on my credit and still are doing it, now if it wasnt because of the XXXX breach, I have accused two of my ex buddies XXXX XXXX also he was my ex employee, XXXX XXXX XXXX which he was an ex deputy and also denies of him doing fraud, I also suspect of ex girlfriend after my divorce XXXX XXXX XXXX or ex wife XXXX XXXX keep in mind XXXX worked for government so I know he knows access to programs which can reveal info or knows some of his friends, ex wife XXXX also can get a hold of sensative Info through her work because she works hand to hand with XXXX in a shelter home here In AZ called XXXX XXXX XXXX, and XXXX can also get info about loans and credit reports because she is a sells person for XXXX XXXX XXXX a car dealership here in AZ but what seems weird to me some how all the prove that I been gathering in the past 8 months is all some how connected with each other to all four of those people so Im praying to XXXX it wasnt them because then ive Wrongfully accuses innocent people but then if it wasnt them then who and trust me I have over 1500 pages of solid prove from wrong phone numbers to wrong addresses but they all were and still are affecting my credit which now I feel like Im drowning slowly with debt I didnt even open or had anything to do with keep in mind all of these have my SS number even though they deny it XXXX because ex wife used to pay my bills with obviously my own money, XXXX because I co signed it for a vehicle for him as a friend, XXXX because she did lived with me for about 3 months so she did what ex wife was doing and had access to my XXXX account i dont how but she did, and XXXX well I found paperwork in my desk of him trying to open up a car dearlership license throughout mi EIN now it could be all four and I have prove to prove it or it could be the XXXX data breach because why would XXXX  paper on my XXXX report I dont care who it was I just want compensation, lost time, all the money that I have spent and time on credit monitoring services that theyre not just working I mean for my credit score to be at a XXXX again and me having no money to pay for my daily expenses I think is unfair and just wrong for anyone to mess and ruined someones elses life for either greed, envy, or retaliation so again thank you for hearing me out and I hope hearing back from you guys have a blessed evening

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