Consumer complaint received 2021-03-24
Company: ALLY FINANCIAL INC.
State: NV
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:
I have mailed multiple letters with different supporting documents requesting the removal of an inaccurate account from the Credit Bureau. However, I have received the same results every time, " verified as accurate, and frivolous. '' I sent letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I asked for Validation of Debt on XX/XX/XXXX, but I did not receive a response back from the Credit Bureau. 

On XX/XX/XXXX, I sent a letter again asking for Validation of Debt and Proof of documents used in the investigation, but instead the Credit Bureau sent me a letter dated XX/XX/XXXX, stating ... contact the Original Creditor. 

Unbeknownst to the Credit Bureau, I already sent a Request for Validation letter to the Original Creditor the same day XXXX sent them a letter on XX/XX/XXXX. But I did not receive a response back from the Original Creditor within 30 days. However, I did receive a letter later, postmarked XX/XX/XXXX from the Original Creditor that included contradicting and inaccurate information regarding the disputed account. I also received a letter from a Debt Collector on XX/XX/XXXX regarding the Original Creditor, but with an Account Balance of {$820.00}, which is inaccurate. 

First, In the documents sent by the Original Creditor, the document ( Payment History ) did not match the Payment History on my Credit Report. 

Secondly, I made two payments on XX/XX/XXXX ( {$180.00} and {$25.00} ), but these payments were not reflected on the document ( Payment History ) the Original Creditor sent me. The Balance remained the same at {$12000.00}, but on my Credit Report it reflected a different Balance of {$12000.00} during XX/XX/XXXX. 

Thirdly, on the document ( Payment History ) the Balance remained the same at {$12000.00} on XX/XX/XXXX, even with two payments made. On the document ( Additional Information ) dated, XX/XX/XXXX, the Balance was a different amount of {$13000.00}. But, on my Credit Report the Account Balance was a different amount as well, {$13000.00}, during XX/XX/XXXX. 

Lastly, the document ( Surplus and Deficiency ) dated 08/09/2017, reflected a balance of {$12000.00}, which does not make any sense because the balance decreased without any explanation. None of these documents reflected the same balance at any point in time. It is evident that there are errors not only in the Original Creditors system, but my Credit Report also did not reflect accurate information. 

On XX/XX/XXXX, I attempted to contact the Credit Bureau asking them again to provide valid proof that the account was indeed accurate and what documents they used to complete their investigation. I received a letter back from the Credit Bureau on XX/XX/XXXX, but with an updated Balance with even more errors. Before the dispute, the Account Balance was {$4600.00} and after the dispute the Account Balance was {$370.00}. However, the Recent Balance remained the same at {$750.00} as of XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, I sent a letter to the Credit Bureau asking them to delete the account if it can not be properly validated as accurate. I received a letter back from the Credit Bureau on XX/XX/XXXX, stating if I do not have any additional relevant information, the dispute is considered frivolous. 

On XX/XX/XXXX, I sent a letter with additional relevant information to the Credit Bureau including the contradicting documentation I received from the Original Creditor, postmarked XX/XX/XXXX. I also sent the Credit Reports that had errors in them that I received from them. I explained that the Payment History in my Credit Report and in the documentation sent from the Original Creditor did not match. I also explained that the two payments did not reflect a change in the Total Balance in the Original Creditors documentation : ( Payment History ). I further explained that I believe the Original Creditor misrepresented the amount owed and overcharged me the same fees, twice. On the ( Additional Information ) document, I was charged {$400.00} for Repossession and on the ( Surplus or Deficiency ) document I was charged {$790.00} for Repossession. I received a response from the Credit Bureau on XX/XX/XXXX, that the account was updated as accurate, and it remained on my Credit Report.

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