I contacted Ally Financial to try to get more information as to why I was reported late XX/XX/2017 and XX/XX/2017 and they couldn't locate my account with my social, account number or address. I requested payment history which I haven't received and I disputed these lates. According to the rep she was able to request the dispute and payment history but coulnd't locate my account which makes no sense at all. I have been very responsible paying this account as well as all of my other accounts and these lates are reporting incorrectly, they're unverified and they are ruinning my credit. I am trying to refinance my home to get an affordable payment in this pandemic and these lates are preventing me from saving my home. This is against FCRA laws and against my consumer rights.