Consumer complaint received 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent credit reporting by Ally Financial related to an approved payment extension on my auto loan account. 
My Ally auto loan was opened on XX/XX/XXXX. 

On XX/XX/XXXX, I initiated a due date change request with Ally Financial, which was later approved in writing. On or about XX/XX/XXXX, I separately initiated a payment extension with Ally Financial due to a temporary financial disruption related to a residential move. 

On XX/XX/XXXX, I paid {$250.00} as required by Ally Financial to initiate the payment extension. My XX/XX/XXXX payment posted successfully, and my account was current at that time. 

Ally Financial mailed the payment extension paperwork to an outdated address. During this same period, I was in the process of moving and was required to update my address twice. As a result, there was a delay in receiving XXXX mailed extension documents that was outside of my control. 

I received the payment extension paperwork around XX/XX/XXXX, signed it, and returned it the same day. At that time, my account had not been reported as delinquent for XXXX, and I had previously confirmed by phone that the extension was active and my account was in good standing. 

Despite the payment extension being initiated in XXXX and the required fee being paid, Ally Financial later reported my XX/XX/XXXX payment as 30 days late to consumer reporting agencies. Ally subsequently also reported XX/XX/XXXX as late. 

After I disputed the XXXX delinquency, Ally Financial corrected the XXXX late payment, acknowledging that reporting during the extension period was erroneous. However, Ally failed to correct the XXXX delinquency, even though both the XXXX and XXXX reporting stemmed from the same approved payment extension. 

Throughout XXXX and XX/XX/XXXX, XXXX online portal displayed inconsistent and changing due dates, including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Additionally, my credit reports across XXXX, XXXX, and XXXX  showed contradictory information during the same period, including inconsistent delinquency dates and account status. 

Credit reports during this period showed conflicting statuses including past due, current account, monthly payment {$0.00}, not more than two payments past due, and account in good standing, which did not align with one another or with Allys internal account information. 
I sent multiple secure messages through Allys online portal requesting confirmation of the extension, correction of the XXXX delinquency, and a reporting hold to prevent further errors. Some of these messages do not appear in Allys message history despite being sent through their system. 

As a result of Ally Financials inaccurate and inconsistent reporting, my credit profile was harmed, including adverse action related to a housing application and increased deposit requirements.

Due to Ally Financials inaccurate and inconsistent reporting, I also experienced credit score suppression, adverse lending consequences, and increased financial stress. I will be seeking monetary compensation directly from Ally Financial for the documented financial harm resulting from this reporting error. 

I am requesting that Ally Financial fully correct the XXXX delinquency, ensure accurate and consistent reporting across all consumer reporting agencies, and prevent further erroneous reporting related to this extension. 

I further request written confirmation that all credit reporting related to this account is accurate, consistent, and compliant with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation