Consumer complaint received 2017-10-10
Company: ALLY FINANCIAL INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XX/XX/XXXX I applied at a dealer called XXXX XXXX they advised me they use one bank only that will accept my loan with my credit score which was to be XXXX only, upon allowing them to pull my credit and submit it with my pay stubs and try to get me approved they submitted it to over 20 different finance companies of which I have noticed that their names are the names used twice on each time they tried to send it in I have Ally twice XXXX, XXXX XXXX, XXXX 3 times on their showing and many many more bank or finance companies but they have hit my credit bad multiple times, and all 3 credit bureaus as well are responsible they should know something is wrong why would there be a reported name or agency for financing multiple times on there as well as I have already signed up for the fraud alert they FAILED to monitor my credit correctly and should if noticed it being more times than one stopped any and all credit inquiries and notified me that there was suspicious activity I blame all 3 credit bureaus as well as the banks to receive multiple applications being submitted for a auto loan, they had no permission to do so after I called the salesman I advised him that he 's got me with to many hard inquiries and he would be pulling my credit once only upon knowing I received not able to approve due to interrrogatories shown below " Hard Credit Inquiries '' I told him he committed fraud on my credit Check and was responsible to get them deleted even though I was approved cause he knew he was wrong he killed the auto deal on me as well as the hard inquiries are still showing from XX/XX/XXXX to present. I contacted every bank on my credit report by phone and by mail nobody has yet responded to me I only applied for 1 finance salesman just kept on submitting to other finance companies I have made a dispute and complaint various times this is going to be my 4th time disputing them and each time waiting the 45 days for them to investigate and follow up with me NOTHING from all 3 credit bureaus was done nor did I receive any type of communication from the dealer, the finance companies I sent everything over with a copy of the complaint to all 3 credit bureaus nothing as of XX/XX/XXXX! Upon 4 requests did I hear back from anyone of them so all 3 bureaus as well are allowing this to ruin MY credit even more not delete it off is a resin my score is low I deserve the situation to be investigated and all documents pertaining to this I need to see where the dealer has permission from me signed that they can By my permission not if their own will to finance and make commissions submit it to multiple banks to cause harm to my credit by applying hard inquires I was only trying to finance to pay the car and make my credit repairs on my own by taking a loan and paying it instead they were in the wrong killed the deal after I raised XXXX to them and still have n't answered not to me or to the finance companies cause they ca n't they defrauded me and my credit is ruined and I need this to be RUSHED please as I said that this is 4 times I have submitted the disputes with every info of all banks on their from XX/XX/XXXX, all other ones are hard inquires as well after that between XX/XX/XXXX and XX/XX/XXXX anything for XX/XX/XXXX needed to be removed immediatley

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