Consumer complaint received 2023-08-17
Company: ALLY FINANCIAL INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
In response to Application Number : XXXX CFPB Number : XXXX Letter revised : On XX/XX/2023, I went into XXXX XXXX XXXX XXXX to see about the possibility of purchasing a vehicle. I was never given a form to sign stating who I am applying for a car loan with. I was though given a piece of paper to sign labeled XXXX stating that XXXX XXXX XXXX XXXX is helping the government to fight terrorism and I would need to show my driver 's license to identify myself. Document XXXX also states that I am opening an account with no explanation of what kind of account and what that account includes. Remember I was only shown a document labeled XXXX and I will solemnly swear under oath and with a lie detector to that fact After spending about five minutes hearing XXXX XXXX XXXX XXXX the numbers around in loan likening. I finally got up and headed home. When I returned home, I saw that there were seven banks on my Experian account that said I applied for credit with them. XXXX XXXX XXXX XXXX was the only place I visited on XXXX. So, I did make a report to the XXXX XXXX Attorney General of California, and when I received a mailing from The California Office of Attorney General in the return mailing back from The Office of Attorney General California it shows that XXXX XXXX had slipped two other documents that I was not shown on XX/XX/2023. On the second page labeled XXXX Dealer Track it shows I am applying for credit to such financial institutions on behalf of themselves and the dealer. What does that mean? Are all the bank 's loan companies going along with this? Once again, I was not shown this document labeled XXXX. On attachment B shows XXXX XXXX 's statement to the California Attorney General 's Office that he did not inform me of any extra banks that I was applying for a loan for. I find that what XXXX XXXX did was deceitful in doing one thing : demolishing my credit report with numerous bank loans. bank loans that I did not authorize, may I remind you. I have been denied credit for what I believe is from the inquiries. On document labeled attachment B, it shows that XXXX XXXX 's statement says he was showing me loan likening. I attached a copy of my credit report I t shows that I have a sixteen-year credit history with XXXX accounts that have ever reported me late I also I on car loan I paid off in XXXX and XXXX car loan current and in good standing. I have one open credit card with a {$7000.00} credit limit and a balance of {$110.00}. Does this look like someone who does irresponsible things with their credit reports? I can submit my current XXXX Credit Report to prove it. I can submit a document stating that I sold my XXXX at XXXX the next day. It shows XXXX paid off the car loan I currently had which then left me with {$8200.00}. I have also enclosed a document stating that I purchased a beautiful XXXX XXXX at XXXX XXXX XXXX XXXX on XXXX. I can submit documents showing that I paid the IRS taxes in the last two years. I can submit documents showing that I worked as a humble Door Dash delivery driver for the past two years plus. I can submit all these documents to show I take my business. I also see that XXXX XXXX XXXX XXXX uses a system from a company called XXXX XXXX XXXX XXXX. They say their service provides car dealers with a soft inquiry to help the consumer as I am to be decided a credit loan offer, I want. That is not what XXXX XXXX XXXX XXXX did. Because on my XXXX Credit Report there is a hard inquiry from XXXX XXXX XXXX and seven other banks on the day of XX/XX/2023. Please check web site yourself www.nccdirect.com

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