Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted an initial dispute with XXXX  in regards to the account listed below. On XX/XX/XXXX I sent a dispute via certified mail to XXXX in regards to this account and requested information on how this debt had been verified. Shortly after sending my initial dispute, the information came back as verified. I sent a follow up dispute requesting that XXXX  provide me the information on how the debt was verified and received no response. 

On XX/XX/XXXX I called XXXX XXXXs contact number at XXXX and spoke to a representative by the name of XXXX. Our call lasted XXXX minutes and was on a recorded line. During this time I asked XXXX why my disputes were not being taken seriously and also told her that I sent in multiple disputes via mail and have not received responses. XXXX stated, " We don't verify the debt, it is done electronically. '' I have attached a copy of my Call Log for verification and XXXX can also provide the recorded call for reference. 

I have written tXXXX XXXX to dispute multiple inaccuracies on my Credit Report specifically about the balances of the account listed below and attached copies of my Credit Report for reference ( please see pages 9 & 10 ). Please see the below Dispute Sent that I sent via certified mail to XXXX in regards to Metro 2 Violations and FCRA Violations.

Subject : Dispute of Charged-Off Account Reporting a Balance Potential Metro 2 and FCRA Violation Dear XXXX  It has come to my attention that an account on my credit file is reporting as charged off, but continues to report this way for several months consecutively. I am writing to formally dispute inaccurate and misleading information currently reported on my XXXX  credit file concerning the following account : Creditor Name : Ally Financial Account Number : XXXX Date of Charge-Off : XX/XX/XXXX This account is being reported as charged off, yet it still reflects a past-due balance and/or current balance owed, which is a violation of Metro 2 credit reporting guidelines and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy in the information they publish.

Per Metro 2 Format Guidelines ( as published by the Consumer Data Industry Association ), once an account is charged off, it should reflect a XXXX balance unless the debt has been sold to another entity in which case the charge-off should be clearly noted, and the original creditor must stop reporting a balance due. In this instance, Ally Financial charged off the debt in XXXX of XXXX and has been reporting a charged off account on my credit report every month since. 
The charged off balance has been negatively impacting my credit score. Reporting a balance on a charged-off account creates a misleading impression that the debt is still being actively pursued by the original creditor and may result in duplicate collection, inflated debt-to-income ratios, or credit scoring harm. 
Accordingly, I respectfully request the following : 1. That you initiate an immediate investigation into the accuracy of this account.

2. That you require the data furnisher to comply with Metro 2 standards and clarify : o Whether the debt has been sold or transferred, o Whether the balance should be zeroed out, o Whether the account is being reported in multiple places ( i.e., duplicate reporting ). 
3. That you delete or correct the inaccurate reporting if it can not be properly verified and aligned with current industry standards.

Please treat this letter as a formal dispute under FCRA Section 611 [ 15 U.S.C. 1681i ], and complete your investigation within the 30-day window required by law. 
Thank you for your prompt attention to this matter. I expect an updated copy of my credit report reflecting the results of your investigation. 

I have yet to receive a verification that this is being handled. I have sent multiple disputes that have not been addressed properly and now I know that it is because XXXX XXXXelies solely on software to handle these cases. I have been negatively affected by this oversight in ways that I am not able to obtain credit for items needed.

Company response to consumer: Closed with explanation