Consumer complaint received 2023-01-03
Company: ALLY FINANCIAL INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ollo Card Acct # XXXX - Someone in XXXX  credit reporting Department is COMMITTING FRAUD! 

I have sent XXXX 2 direct disputes. I have spoken to FOUR dispute supervisors. 2 dispute supervisors have ESCALATED my recent dispute. 

Someone in the credit reporting department of XXXX is NOT reporting my monthly payments. However, they are committing FRAUD by FRAUDULENTLY reporting charges and over the limit transactions to my credit file that I NEVER MADE. I have NEVER gone over my limit! NO ONE at XXXX can tell me HOW or WHY this FRAUD is happening. NOTHING HAS BEEN CORRECTED ACROSS THE BOARD! XXXX THROUGH XXXX PAYMENTS ARE STILL MISSING! 

I want a THOROUGH INVESTIGATION PERORMED on my account & the reporting of it AS SOON AS POSSIBLE! 

I need XXXX to ACCURATELY report ALL information to my account. I need EVERY missing payment for EACH month, EVERY available credit balance for EACH month and EVERY credit limit for EACH month reported ACCURATELY & TRUTHFULLY! 

I pay my bill EARLY each and EVERY month. However, my credit report is NOT reflecting this AND my credit score has DROPPED XXXX  POINTS at EACH major credit bureau! 

1. There was NO XXXX payment reported to XXXX. 
2. There was NO payment reported for XXXX, XXXX or XXXX to XXXX. 
3. There was NO payment reported for XXXX, XXXX or XXXX to XXXX. 
4. On XX/XX/XXXX and XX/XX/XXXX, XXXX FRAUDULENTLY reported that I made {$430.00} in charges and a balance due of {$540.00}, which means I charged {$45.00} OVER MY CREDIT limit. 
My credit score has PLUMMETED OVER 40 POINTS SINCE XXXX. 

I directly disputed these false, inaccurate & FRAUDULENT reports with XXXX  in XXXX AND AGAIN on XXXX the XXXX, and now AGAIN on XX/XX/XXXX. 
It has been WELL OVER 30 DAYS! My credit reports should have BEEN CORRECTED! PAYMENTS ARE STILL MISSING! 

I need ALL of these corrections made as soon as possible. You are making FRAUDULENT, erroneous, inaccurate reports & statements to my credit files.You are also reporting FRAUDULENT charges and statuses. You are DESTROYING my credit worthiness and reputation. You are DEFAMING my character! 
According to 15 USC 1681a You did not perform your LEGAL, GRAVE RESPONSIBILITY. You have also been UNFAIR & PARTIAL.

You continue to knowingly & willfully commit FRAUD, violate my consumer rights and break the consumer FEDERAL Laws. If you fail to go back to XX/XX/2022 and ACCURATELY report EACH of my MONTHLY payments, balance due, and avaliable credit to XXXX, XXXX XXXX XXXX, within 7 Days, according to the law : 15 U.S. Code 1717a, You will be held accountable and fined to pay {$1000.00} per cusumer violation. 

If you fail to PREMANENTLY DELETE, CEASE & DESIST reporting ALL of these FRAUDULENT, ERRONEOUS & INACCURATE statuses & information from my XXXX, XXXX XXXX XXXX XXXX files within 7 Days, according to the law : 15 U.S. Code 1717a, You will be held accountable and fined to pay {$1000.00} per cusumer violation.

I will also exercise my right to be awarded my compensation easy & fast through Consumer Protection 8. 

I reserve the right to commence in legal proceedings to recover the damages without further notice to you. This letter and all correspondences you received from me and the CFPB will be tendered as evidence of your failure to comply with the Federal Laws Established by FCRA, CFPB & FDCRA. 

Warm Regards, XXXX : XXXX Without Prejudice All Natural Rights Reserved

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