In XX/XX/XXXX I leased a Chevrolet Cobalt with GMAC for the period of three years and paid for the vehicle upfront. Two years later, I joined the XXXX XXXX and had my father return the leased Cobalt at the appropriate time and place. My father did just that. Learning that the Cobalt was delivered on time is where the story ended for me. However, in XX/XX/XXXX, XXXX XXXX ( XXXX ) contacted me in a harassing manner demanding that I owed {$2300.00} for the Chevrolet Cobalt. There was no additional information provided, but I quickly forwarded the information on to my father regardless to see if he could shed some light on where this " debt '' may be derived from. My father reported back to me that he had spoken with XXXX XXXX, and that they told him that they would take care of the accounting error. This is where the story starts to effect me. 

XXXX XXXX, XXXX, I was contacted by XXXX XXXX again in regards to this debt of which there is no explanation. Additionally, this is eight years after the vehicle was returned and GMAC has since gone out of business. GMAC has merged with Ally Financial, but Ally Financial refuses to assist me with this issue. They have told me that " our ( Ally Financial ) third party collection agency ( XXXX XXXX ) is handling this account, and there is nothing they can do to help me delete this debt from my record. '' After repeatedly trying to work this misunderstanding out with XXXX XXXX, I was told by the collections agency that " there is nothing we ( XXXX XXXX ) can do because we report directly to Ally Financial. We do not even have the authority to report to the credit bureaus. We report directly to Ally Financial. '' I have recently looked into my credit report, and I was shocked to see that there is a Charge Off from GMAC of {$2300.00}. This account was taken care of many years ago. Furthermore, Ally Financial has no information for me in their system. The only information Ally Financial has at this point on my supposed account is what I had personally given them when I opened a complaint regarding this debt. 

Bottom line : Before filing this complaint with CFPB, I have attempted to have this debt expunged from my record by explaining to both XXXX and Ally Financial that this is debt is the result of an accounting error made eight years after the vehicle was leased ( paid in full ). Both parties refuse to help me, they both continue to advise me that I must speak to the other to get this resolved, and neither of their management representatives has offered any clarity on this matter. 

I have read other consumer complaints regarding Ally Financial and XXXX XXXX. It seems as though I am not alone in my experience of the unethical business practices these XXXX companies engage in to make a buck. My credit worthiness has suffered tremendously as a result of this Charge Off that was reported to the credit bureaus. I did not accrue this debt. If I am unable to resolve this issue with the help of the Consumer Financial Protection Bureau, I am prepared to pursue this matter with an attorney because of personal integrity as well as holding these XXXX companies to decent ethical standards. 

Note : As I mentioned, I gave Ally Financial quite a bit of information when I opened a complaint with them regarding this account. I suspect they will try to pawn this issue off to XXXX XXXX, but prior to opening the complaint, Ally Financial had no information regarding the debt when I gave them my Social Security Number and full name.