Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
This item Ally Auto Fiancial is inaccurate because of the following reasons ; Kindly take a moment to review the enclosed copy of the letter sent to the above named agency on XXXX/XXXX/XXXX, which they have yet to respond to. As illustrated in such letter addressed to Ally, I am being held responsible for a balance I am no longer responsible for due to negligence on their behalf in many dimensions. 
To begin, the mentioned XXXX Mazda 3 vehicle purchased at XXXX XXXX XXXX in XXXX XXXX was financed through Ally. Ally and the assigned financial agent at the auto dealership had me return to re-sign the purchase agreement documents twice after the initial contract/taking the vehicle out of dealership grounds. Making it a total of 3 times Ally required me and my cosigner to return and redo the financial agreement paperwork. 
As a professional and experienced lean holder, Ally failed to ensure the vehicle was appropriately insured XXXX continuous times before removing the vehicle off of the dealership grounds. As a first time car buyer, and as a guarantee to the lean holder, it is in their policy to make sure I the buyer obtain appropriate insurance coverage before even signing the finance documents and take the vehicle home. Ally failed to do this XXXX consecutive times. 

On XXXX XXXX, XXXX I was involved in an automobile accident on the XXXX XXXX of XXXX XXXX. and XXXX XXXX XXXX. in XXXX XXXX XXXX, FL at approximately XXXX. 
This event occurred when an unconscious driver rear ended my and XXXX other vehicles at a recorded approximate XXXX-XXXXmph while at a red light. Causing my vehicle to be declared at a total loss per XXXX XXXX XXXX XXXX appraiser. ( insurance carrier of at fault driver ) Following the hospital visit, of which event has left me with XXXX in XXXX and XXXX in my XXXX, the claim process began where because of Ally 's negligence to perform typical procedures as a lean holder, the Gap insurance Ally insisted I obtain at the XXXX signing, did not serve its purpose, leaving me with a {$15000.00} debt now affecting my personal credit. 
The reason why this should not be held against me is because Ally failed not only to ensure the vehicle had proper coverage but they failed to submit appropriate financial agreements 3 times as well as the main issue here which was surrendering the vehicle and title of ownership to XXXX XXXX XXXX XXXX despite my request for Ally NOT to do so because this agency was not paying the car loan. I stated that I wanted to get the vehicle fixed with the monetary compensation of {$7000.00} towards repairs/loan balance, and I would continue paying my monthly car payments. I strongly emphasized that the insurance adjustor XXXX XXXX from XXXX XXXX was not performing his job with integrity and that he was not to obtain any releases for the vehicle nor the vehicle title because he was not paying out what was owed and I did not want to be left with the remaining debt. I clearly stated " do not release the vehicle nor the title, I will get the car fixed and continue making payments '' Despite my strong and clear emphasis, Ally failed again, and released the vehicle title and vehicle to XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX . 
In addition to this, legally, per insurance fraud special investigation unit consultant ( name of agent available upon request ) I did not own the vehicle nor did I have title rights, therefore Ally acted at their own judgement as sole owners of this vehicle. What XXXX XXXX XXXX did in efforts to obtain this vehicle on behalf of his employer and ultimately sell it at an auction was unethical, and illegal. Hav