Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of unauthorized inquiries from my credit report. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and have identified inquiries listed below that I did not authorize. 
The following inquiries were conducted without my permission and do not have a permissible purpose as outlined by the FCRA ALLY FINANCIAL Inquiry : XX/XX/XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXI Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX ALLY FINANCIAL Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX  ( XXXX ) XXXX ALLY FINANCIAL Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX  ( XXXX ) XXXX XXXX XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + XXXX XXXX  ( XXXX ) XXXX ALLY FINANCIAL Inquiry : XXXX XXXX, XXXX + XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX ALLY FINANCIAL XXXX : XXXX. XXXX, XXXX + XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + As these inquiries were unauthorized, I am requesting that they be promptly removed from my credit report. 
Supporting Documentation To further validate this request, I have enclosed a copy of my identity theft report and multiple forms of identification to verify my identity. 
Statement Regarding Unauthorized Inquiries Under the Fair Credit Reporting Act ( FCRA ), no entity may access my credit report without my explicit consent or for permissible purposes as outlined in the FCRA. Unauthorized inquiries are a violation of my rights under this law. Specifically, 15 U.S.C. 1681b states that a consumer reporting agency may only furnish a consumer report under certain legally permissible circumstances, such as with the consumer 's consent. 
The listed inquiries were not authorized by me and, given that I have been a victim of identity theft, these inquiries further represent fraudulent activity. Enclosed are my identity theft report and multiple forms of identification, which support my claim and verify my identity. I demand that these inquiries be removed from my credit report immediately, no later than XXXX XXXX from receipt of this letter. Failure to comply will result in me escalating this matter to the appropriate regulatory agencies and seeking all available legal remedies. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation