Consumer complaint received 2022-04-17
Company: ALLY FINANCIAL INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I do not like that Ally Financial gave my info to the 3 credit bureaus without my consent. 
then XXXX XXXX shared my info on the credit bureaus. 
All of the credit bureaus show that I am very responsible by my credit scores Also on my credit score, it states that the account with Ally Financial was closed, in XXXX of XXXX when in actual the repoed vehicle was auctioned off for {$9500.00} and they could have auctioned it off for much more. 
Instead they decide to sell it in auction and sell the balance to XXXX XXXX and situations are very suspect. 
I Just received a 1099c from Ally Financial stating that my balance owed is {$1700.00} dollars even though it is stated on my credit score on XXXX XXXX  that the remaining balance is $ XXXX. 
I called and spoke to a rep. name XXXX XXXX and informed her that the balance on the 1099c has the amount of {$1700.00} and asked what amount she seen on the file there. She stated that the amount on file is at {$11000.00}. 
I asked her how can my XXXX XXXX  beareau amount state {$11000.00} and her file states the same amount, but I received a different amount on the 1099c form? 
The rep. of XXXX XXXX states to me that she doesn't know anything concerning a 1099c being sent to me. 
I believe I am being given untrue info to lure me into paying the untrue balance on the 1099c form, then only {$1700.00}. would be taken off the said balance on the charge off amount, and once I start making a payment I will be liable of the remaining balance. 
I have informed XXXX XXXX that it states on my XXXX  XXXX credit score that the account was closed in XXXX of XXXX even tho the vehicle was sold at a auction years earlier. There are 3 credit bureaus and only XXXX XXXX has the charge off listed on it. 
My rights were violated by XXXX XXXX. Ally Financial has not reported anything and my credit scores are very high and excellent on all 3 bureaus. I feel since there are two amounts stated that I am being lied to along with the credit bureau being lied to. 
Never was I offered to to pay the {$1700.00} and the account balance at XXXX XXXX would be deleted and closed, so I truly know that is leading false info for me the start payments by falsehoods in writing on a misleading 1099c form which the rep. told me she has no knowledge of. 
Since lies are being told on two different sources, that the account should be deleted. 
XXXX XXXX is also sending the balances only to me and on the XXXX XXXX bureau charge off page, it states that the balance is a joint responsibility. My niece XXXX XXXX allowed the vehicle to be repoed and I gave the needed info to collect the vehicle from her job. There was no tracker on the car, and Ally Financial did not have any knowledge of where my niece lived or worked, so I made it possible for the car to be collected back to Ally Financial. 
I have called Ally XXXX XXXX and received no answer. My phone number has been blocked. I called XXXX XXXX of XXXX XXXX after receiving the 1099c to let him know that the balance amount on XXXX XXXX bureau is the same amount of {$11000.00}, but yet on the 1099c it states only {$1700.00} but received no answer. 
I feel to many lies are being sent to me in writing. but no phone calls are being answer. 
Also why is the 1099c sent from Ally Financial, when it is stated on my XXXX XXXX bureau file that the account was closed in XX/XX/XXXX of XXXX and now I and looking at the amount due and it states XXXX so the amount of going up, supposibile by Ally Financail when my niece stopped paying on XXXX of XXXX and they auctioned off the car soon after. so why was the account closed in XXXX of XXXX and why is the envelope from the 1099c from Ally Financial if it was charged off by XXXX XXXX. Info is on my XXXX XXXX Bureau. but yet my scores are XXXX with XXXX and XXXX with XXXX and it is stating that I am approved of a car loan if wanted. Info from charge off is very suspicious.

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