Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX SSN ( Last 4 digits ) : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX Subject : Formal Dispute & Legal Demand Immediate Removal of Inaccurate Late Payments | Account Ending in XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate and damaging late payment notations reported on my Ally Financial auto loan account ending in XXXX, as reflected on my credit reports with XXXX XXXX, and XXXX. This is my first time disputing this account, and I want it to be absolutely clear : I have never been late during the timeframes being reported, and I strongly contest the validity and legality of this derogatory information. 

The reports indicate late payments in XXXX, XXXX, and XX/XX/XXXX, which are factually incorrect. I demand Ally Financial immediately conduct a reinvestigation and provide every document and record used to determine these alleged late payments, including but not limited to : A copy of the original signed contract Full payment ledger and billing history Any notices or correspondence sent to me regarding alleged delinquency Proof of how and when payments were applied Verification of the due date and grace period terms, per federal law Legal Authority : 15 U.S.C. 1666b ( Fair Credit Billing Act ) Creditors must not treat a payment as late unless the payment due date and required disclosure have been properly communicated and aligned with billing practices. If my payment was received within the 21-day minimum grace period, it can not legally be marked late.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) You are prohibited from reporting inaccurate or unverifiable information. If you can not verify with original documents, it must be deleted.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Upon dispute, any unverifiable information must be deleted from all consumer credit files. 
XXXX XXXX Compliance Your current reporting is not aligned with XXXX XXXX standards regarding accurate status coding, payment history logic, and the presentation of derogatory data.

Formal Demands : I am demanding the following actions be completed within 15 days : 1. Immediate deletion of all derogatory late payment entries across XXXX XXXX  and XXXX.

2. Update the account to reflect Pays As Agreed with no delinquencies.

3. Provide me with full documentation used to verify the accuracy of the disputed data, or acknowledge deletion if documentation can not be produced. 

Failure to provide complete verification or remove these inaccurate entries will result in : A formal CFPB and FTC complaint against Ally Financial Legal action for violations under the Fair Credit Billing Act, FCRA, and XXXX XXXX Compliance Standards Seeking statutory, actual, and punitive damages, as well as attorney fees for willful noncompliance under 15 U.S.C. 1681n and 1681o This is your legal notice. No further delay will be tolerated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX SSN Last 4 : XXXX

Company response to consumer: Closed with explanation