Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
The currently reported ALLY FINANCIAL with account number displayed as ALLY FINANCIAL on my XXXX XXXX report, shown as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report. Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a deflection from the mandatorily utilized reporting industrys own XXXX XXXX Datafilled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the above-mentioned XXXX  XXXX formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : In regard to item questioned above, Credit Limit : reported as Not Reporting for XXXX, Not Reporting for XXXX XXXX, and as Not Reporting for XXXX and as such is XXXX, each or all in deviation from the requisite standard ( s ) and or is not proven much less certifiably compliant to its regulatory mandates as its a sin qua non for compliant reporting and as such are XXXX or more apparently deficient of its exigency of reporting sufficiency and or decree ( s )! 
In regard to item questioned above, Data Reporter Street Address reported as Not Reporting for XXXX, XXXX XXXX XXXX for XXXX XXXX, and as Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict! 
Against the item questioned above, Account Status : reported as Closed for XXXX, Open for XXXX XXXX, and as Not Reporting for XXXX and as such is XXXX, each or all in deviation from the requisite standard ( s ) and or is not proven much less certifiably compliant to its regulatory mandates as its a sin qua non for compliant reporting and as such are XXXX or more apparently deficient of its exigency of reporting sufficiency and or amenability! 
In cognizance to the item questioned above, Creditor Remarks : reported as Subscriber reports dispute resolved - consumer disagrees.Unpaid balance reported as a loss by the credit grantor. for XXXX, Charged off as bad debtDispute resolved ; customer disagrees for XXXX XXXX, and as Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness! 
In regard to item questionably reported above, please note that Data Reporter Name is reported as Not Reporting for XXXX, ALLY FINANCIAL for XXXX XXXX, and as Not Reporting for XXXX are XXXX, XXXX, or each apparently in potential deviation from the requisite standard ( s ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX - XXXX ). As reported, there can be NO deviation from the requisite standard ( s ) for the compliant reporting of Data fields within any XXXX XXXX Field nor else wise in regard to this mandatorily accurately depicted data field. 
In regard to item questioned above, Account Credit Limit : reported as Not Reporting for XXXX, Not XXXX for XXXX XXXX, and as Not Reporting for XXXX and as such is XXXX, each or all in deviation from the requisite standard ( s ) and or is not proven much less certifiably compliant to its regulative mandates as its sin qua non for compliant reporting. This field, as reported, is a deviation from the established CDIAs reporting standards and or is reported XXXX or more of being untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and or else wise not confirmed certifiably compliant to all mandates for ethical and lawful reporting! 
In regard to item questioned above, Activity Date reported as XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX XXXX, and as Not Reporting for XXXX and as such are XXXX or more seemingly deficient of its exigency of reporting commensurateness and or decorum elsewise! I here now file a written challenge to and for the accusing data reporter and for each any and all of the accepting data reporting repositories to factually attest to thereby corroborating at least the minimally required adequacy of its own reporting and in doing so naturally satisfying the minimal criterion to have utilized their obviously previously-takenfor-granted privilege to report. 
In regard to item questioned above, Data Reporter Telephone Number reported as Not Reporting for XXXX, XXXX for XXXX XXXX, and as Not Reporting for XXXX and as such are XXXX or more having the appearance of being substandard of its exigency of reporting precept and or decorum elsewise! I here now file a written preemptory even insistent demand to and for the acusador posturing as if were a lawfully righted data reporter despite there only existing a potentially achievable very conditional PRIVILEGE TO REPORT. Further, I appeal for each any and all of the accepting data reporting repositories to factually attest to ( thereby corroborating ) at least the minimally required adequacy of its own reporting and in doing so naturally satisfying the minimal criterion to have utilized their obviously previously-taken-for-granted benefit to report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation