davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theft all of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX Balance : {$2100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$860.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I am reaching out to you as my social security number was compromised. I had a data breach that resulted in fraudulent accounts reported to me. I am requesting that all erroneous names, addresses, and unauthorized inquiries be deleted from my credit report.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am submitting this CFPB complaint addressed the Credit Reporting Agencies to request the complete removal of the fraudulent information frommy Credit report. I have been sending countless letters requesting that the Credit Bureas remove the fraudulent items from my Credit Report and yet they have done nothing. Under rthe FCRA section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. And provide copies of documents to serve as proof of verification wo support the Credit Bureaus claims that the items beling under my name. But despite all the lettets I have sent, the Credit Bureaus have not done nay of the actions. I am now submitting this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting without sending me copies of documents as proof of verification, please understand I will initiate legal action. I need the folowing items deleted as soon as possible : XXXXXXXX XXXX XXXX  XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2400.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I would like to dispute off the following items on my credit report. 

XXXX : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX Experian : ALSO KNOWN AS : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX DEPTEDXXXX Account XXXX : XXXX DEPTEDXXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX TransUnion : ALSO KNOWN AS : XXXX, XXXX, XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I consistently make on-time payments. I'm confident about this. What I'm unsure about is why this company is reporting me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

I am writing to bring to your immediate attention a critical matter regarding fraudulent accounts on my credit report. Upon a thorough review, I have identified several accounts that are not only unauthorized but also present a serious risk to my creditworthiness. I assert that these accounts are not legitimate and have been included in my credit report without my consent. I have taken immediate action to protect my identity and have reported these fraudulent activities to the appropriate authorities. Furthermore, it is evident that there is insufficient information to verify the authenticity of these accounts. I request a comprehensive investigation into these accounts, and in the absence of concrete evidence supporting their validity, I insist on their immediate removal from my credit file. The fraudulent accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon checking my consumer report i noticed inaccurate accounts and information that does not belong to me, i didn't authorize to any of this information to be reported on my credit record, it's affecting my life!
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XX/XX/XXXX I sent my XXXX letter in, its been well past 30 days and I havent heard anything! 
1. The following account is not mines. 
XXXX XXXXXXXX Account Number : XXXX  Please remove it from my credit report. 
2. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. The following account is not mine XXXX XXXX 4. Account Number : XXXX Please remove it from my credit report. 
5. The following account is not mines. 
XXXX Account NumberXXXX Please remove it from my credit report. 
6. The following account is not mines. 
XXXX Account Number:XXXX Please remove it from my credit report. 
7. The following account is not mines. 
XXXXXXXX XXXX  Account NumberXXXX Please remove it from my credit report. 
8. The following account is not mines. 
XXXXXXXX XXXX  Account Number:XXXX Pleaser remove it from my credit report. 
9. The following account is not mines. 
XXXX Account number:XXXX Pleaser remove it from my credit report. 
10. The following account is not mines. 
XXXX XXXX Account number:XXXX 1. The following account is not mines. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 


15 U.S. Code 1681b - Permissible purposes of consumer reports This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately.

The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; I
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to bring to your attention a critical matter concerning the inaccurate reporting of late payments on my credit accounts. This letter serves as an official notice of your non-compliance or negligence with the Fair Credit Reporting Act ( FCRA ) and outlines the corrective actions required to rectify this issue promptly. I've addressed this in prior letters to no avail. The reported late payment information does not accurately and completely reflect my payment history.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have addresses reported on my credit report that belong to another person with similar name and address as me : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Please remove this address as information attached and associated to another person with similar name and address as me is being reported on my credit report This address is the only address i need reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX Account number XXXX the late payments reported as 30 days late on dates XXXX are from the result of fraud and unauthorized by me. This was already discussed and since XXXX is FDIC insured i am not responsible for the late payments. THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE MAY BE PROVIDED IF LEGAL ACTION REQUIRES IT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. The FCBA requires creditors to send written notice to consumers at least 30 days before reporting a late payment to a credit bureau. ( THEY NEVER DID ) This creditor has provided no proof to the credit bureaus or myself or the CFPB that they have sent these notices and or even conducted a reasonable investigation. 


XXXX XXXX XXXX Account number XXXX ( unverified ) The creditor is stating i was late on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  days late. XX/XX/XXXX 30 days late, XX/XX/XXXX 30 days late, XX/XX/XXXX 60 days late, XX/XX/XXXX 60 days late, XX/XX/XXXX 30 days late. I was never late on this account he XXXX requires creditors to send written notice to consumers at least 30 days before reporting a late payment to a credit bureau. ( THEY NEVER DID ) This creditor has provided no proof to the credit bureaus or myself or the CFPB that they have sent these notices and or even conducted a reasonable investigation. THE CREDITOR ADMITTED OVER A RECORDED PHONE CALL THEY THIS POINT IS VALID AND THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE MAY BE PROVIDED IF LEGAL ACTION REQUIRES IT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 



XXXX XXXX Account XXXX XXXX ( Unverified ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX unverified ) Account number XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

THIS COMPANY HAS VIOLATED MY RIGHTS. ACCORDING WITH THE CREDIT REPORTING ACT. 15USC 1681 SECTION 602 STATES HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FUNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LTE FOR AND PURPOSE.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX DATE XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, XXXX XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX Bank Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Your company is in clear violation of the law. Under XXXX XXXX XXXX - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

To Whom It May Concern, I am writing to express my grave concern and to seek immediate resolution regarding fraudulent activities on my XXXX credit card ( account # XXXX ), which have severely impacted my credit report. My identity was stolen and used to accumulate charges totaling {$10000.00} on this card. Despite promptly contacting XXXX to report this fraud, my claims were dismissed and not taken seriously, denying me the justice I am owed as a victim of identity theft. 

In addition to contacting XXXX, I also disputed this account with Experian in XX/XX/. I sent the dispute via XXXX XXXX XXXX, with the tracking number XXXX, and it was confirmed as delivered on XX/XX/. However, to date, I have not received any communication regarding the results of this investigation, nor has the fraudulent account been removed from my credit report. This lack of response and action from Experian is a clear violation of my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ). 

Given the seriousness of this matter, I am requesting again Experian to conduct a thorough investigation into these fraudulent charges and the initial handling of my dispute. Furthermore, I ask that you provide me with detailed information about the investigation 's outcome and the steps taken to rectify my credit report. 

It is imperative that this issue is resolved promptly to restore the accuracy of my credit report and to uphold my rights as a consumer. Please send all correspondence and the results of your investigation to my address listed on my driver 's license. 

I appreciate your immediate attention to this urgent matter and expect a swift resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC. (LA)

I was a co-buyer ( myself and my son ) of a XXXX XXXX Vehicle financed thru ALLY FINANCIAL, using my credit and my son making the payments. I thought I was a co-signer ( later realizing I was not ) and my son and I had a disagreement regarding his late payments, insurance, etc on the truck. 
I tried to surrender the truck to Ally, but they refused. I later ran into financial difficulties and I had to file XXXX  XXXX bankruptcy on XX/XX/2021, it was discharged XX/XX/2021. Ally continued to report late payments and a balance owed on my credit report after the bankruptcy. I contacted them by e-mail a couple times only getting a response stating to call them ( they apparently do not like to supply written responses ). 
I contacted the credit bureaus ( XXXX, XXXX and XXXX ) and filed disputes. 
XXXX 's response was that ALLY verified the debt and they kept it on my report.