Consumer complaint received 2019-01-26
Company: ALLY FINANCIAL INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
For the past year, I have been working hard to get information that is being inaccurately reported off of my credit. I have called hundreds of times to credit agencies as well as creditors with no resolve. The statuses of my accounts are completely wrong to where the accounts are negatively impacting my credit score. 
I have contacted the companies directly on various occasion via phone, I have disputed online, and I have contacted the credit bureaus and all I am being told is to contact the other companies. This has been done numerous times with no resolve. It is at a point now there I had to enroll with a credit repair service in order to handle all of the work that it has taken to handle the dispute process surrounding these incorrect items. It should not be this hard to update inaccurate information. 

There are quite a few of my accounts currently in dispute for the 3rd and 4th times  around ( possibly more ) because the companies are not accurately investigating these disputes. The turnaround on some of them is 2 days after the dispute is entered. For instance when I called XXXX ( XXXX XXXX ), I was told that the system automatically chooses the last dispute results. Sadly, this has been the case with many of my disputes. They are not being taken seriously or properly investigated. 
XXXX XXXX- I have been removed as an authorized user as of XX/XX/XXXX verified by various calls to XXXX XXXX with the most recent this month and it is still reporting to all 3 credit Bureaus. They refuse to send the electronic verification to the bureaus. 
XXXX XXXX is reporting 60 days late XX/XX/XXXX and XX/XX/XXXX on all 3 bureaus. I added a payment account via phone with a representative. The rep. inaccurately entered information. As a result, payments were returned from my old bank account but I was never notified by XXXX XXXX that my payments were not being made. In doing research on this company, it was found that this is one of their predatory lending practices. The card remained open until I was able to close it with no penalty. 
XXXX XXXX is reporting 120 days late to all Bureaus, I called to have this account closed. Was under the impression the account was closed. It was not. Therefore the continuing of billing kept going. When I looked at my credit report one day, I saw 120 days late and opted to call the company and this is where I learned the account was still open. I dont even understand how they allowed the account to go 4 months with no payment and no contact to me. It remained open for 2 months following in order for me to pay the balance down. I then closed the account completely. Only to find that the account was still open so I had to call back and have it closed again. 
XXXX XXXX XXXX also has inaccurate late payments reporting to all Bureaus. 
XXXX, XXXX, and XXXX refuse to update these account statuses which have been pending investigation for months : XXXX ( discharged in Chapter XXXX ) I have no further dispute with this outcome. 
XXXX ( discharge in Chapter XXXX ) I have no further dispute XXXX has no status. 
Ally Financial ( on all 3 reports ) was included in my bankruptcy and therefore should not be reporting the late payments for this account as they are still looked at as a factor in my current credit profile. Only the high and low balance should be reported. 
XXXX  will not update my name. I have sent my Florida Drivers License to the credit Bureaus as well as the company associated with the incorrect name. They refused to remove the name XXXX XXXX. I have never gone by that name.

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