Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I am submitting this statement in connection with a * * new CFPB complaint * *, as my prior CFPB case, * * Case No. XXXX * *, has been closed. This submission is not a continuation of that prior case, but a new complaint based on ongoing concerns related to inaccurate credit reporting, unresolved identity theft issues, and the continued furnishing of disputed information despite pending investigations and formal identity theft documentation. 

# # # Background and Prior CFPB Case Previously, I submitted CFPB Case No. * * XXXX * * to address concerns regarding the accuracy of information being furnished by Ally Bank to the consumer credit reporting agencies. In response, Ally Bank provided an explanation asserting that the information being reported was accurate and declined to request deletion of the tradeline. Ally further stated that, upon receipt of my correspondence, it had opened a case to review claims of identity theft and that the investigation was ongoing, with a separate response to be provided once the investigation concluded.

That CFPB case has since been marked * * closed * *, despite the fact that Ally Banks own response confirms that its identity theft investigation was not complete at the time of closure. As a result, the underlying issues raised in that complaint were not substantively resolved, and no final determination regarding the identity theft claim or the continued accuracy of the tradeline was provided to me before the case was closed.

# # # Filing of FTC Identity Theft Report Since the closure of the prior CFPB case, I have taken additional formal steps to document and report the identity theft issues associated with this account. Specifically, I have * * filed an Identity Theft Report with the Federal Trade Commission ( FTC ) * * through IdentityTheft.gov. This report details the fraudulent use of my personal identifying information and constitutes an official identity theft report under applicable federal law.

The FTC Identity Theft Report was filed in good faith and includes sworn statements regarding the unauthorized nature of the account activity and/or the misuse of my identity. This report was created to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and to provide creditors and furnishers with formal notice of identity theft, triggering their statutory obligations under federal law.

# # # Purpose of This New CFPB Case This new CFPB case is being filed to address the following unresolved and ongoing concerns : 1. * * Continued Credit Reporting During a Pending Identity Theft Investigation * * Ally Bank acknowledged in writing that an identity theft investigation was opened and that the investigation was still ongoing. Despite this acknowledgment, the tradeline has continued to be reported to consumer credit reporting agencies without correction, deletion, or meaningful interim relief.

2. * * Lack of Final Determination or Resolution * * At no point was I provided with a final written determination concluding the identity theft investigation or explaining how Ally Bank evaluated the evidence related to identity theft. Instead, the prior CFPB case was closed while the investigation was still pending, leaving the matter unresolved.

3. * * Failure to Address FTC Identity Theft Documentation * * The filing of an FTC Identity Theft Report materially changes the posture of this matter. This documentation provides formal, federally recognized evidence of identity theft, which requires careful review and appropriate action by any furnisher continuing to report the disputed account.

4. * * Ongoing Harm From Continued Furnishing * * The continued reporting of this tradeline has caused and continues to cause harm, including damage to my credit profile, interference with my ability to obtain credit on fair terms, and emotional distress associated with unresolved identity theft.

# # # Legal and Regulatory Considerations Under the Fair Credit Reporting Act ( FCRA ), furnishers of information to consumer reporting agencies have a duty to ensure that information reported is accurate and complete. When a consumer reports identity theft and provides supporting documentation, including an FTC Identity Theft Report, furnishers are required to conduct a reasonable investigation and to cease reporting information that is the result of identity theft.

Additionally, when a dispute involves identity theft, furnishers must not continue to furnish information that they know or should know is inaccurate or unverifiable. Reporting disputed information without resolving identity theft claims undermines the integrity of consumer credit reporting and defeats the purpose of consumer protections enacted by Congress.

This new CFPB complaint is therefore not merely a disagreement with Ally Banks prior explanation but a request for regulatory oversight to ensure that statutory obligations are met and that identity theft claims are handled appropriately, thoroughly, and fairly.

# # # Request for Fair Resolution A fair and reasonable resolution to this matter includes, but is not limited

Company response to consumer: Closed with explanation