Consumer complaint received 2025-10-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Official Correspondence : FCRA Dispute and Demand for Deletion and Future Good Faith Reporting DATE : XX/XX/XXXX TO : Ally Financial XXXX XXXX ( Ally XXXX XXXX ) ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX : Formal Dispute and Demand for XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Future Reporting ACCOUNT NO. : XXXX VEHICLE : XXXX XXXX XXXX ( VIN : XXXX ) CC : Consumer Financial Protection Bureau ( CFPB ) I. Introduction and Dual Demand This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), citing a fundamental conflict between your investigation Rebuttals ( dated XX/XX/XXXX, and XX/XX/XXXX ) and the active, contractually managed status of this loan. Your Rebuttals assert you are " accurately furnishing '' XXXX ( XXXX ) occurrences of 30 Days Late. 

The account is not only active, but its terms are currently being managed and modified. I hereby demand a dual resolution to this dispute : XXXX XXXX : The immediate and permanent deletion of all negative history ( the XXXX x 30 Days Late marks ) from all credit reporting agencies. 

Prospective XXXX ( XXXX XXXX ) : A written commitment to treat all payments from today 's date ( XX/XX/XXXX ) until the contract 's maturity as having been paid as agreed, ensuring no further negative markings are reported. 

XXXX. The Contractual Conflict and Statutory Non-Compliance Your defense of " accurate furnishing '' is demonstrably inadequate and legally incorrect for the purposes of 15 U.S.C. 1681s-2 ( b ), which requires reporting with " maximum possible accuracy. '' Evidence of Active, Managed Status ( XXXX XXXX XXXX ) : The account is subject to ongoing, documented negotiations that render the past static reporting obsolete. This includes : The Extension Agreement dated XX/XX/XXXX, which formally modified the repayment schedule. 

The recent verbal agreement confirmed on the phone, setting the resumed payment amount at {$650.00}, with the next payment due on XX/XX/XXXX. 

Legal Deficiency ( XXXX XXXX XXXX ) : The continued reporting of historical delinquencies, while simultaneously managing the account through formal ( 2024 Extension ) and verbal ( 2025 Payment Schedule ) modifications, proves that the history being furnished is incomplete and misleading. An incomplete picture of the debtor-creditor relationship is an inaccurate report under the FCRA. Your failure to integrate these ongoing, material contractual changes into your furnishing practice exposes a systemic compliance failure. 

Stipulation for Forward-Looking Good Faith : To resolve this dispute, any negative markings from today, XX/XX/XXXX, through XX/XX/XXXX and until the end of the contract must be explicitly agreed to be removed as an act of good faith. 

XXXX. Conclusion and XXXX Notice Ally Financial must align its credit reporting with the true, current, and actively managed status of this loan. 

The following final actions are required within 15 days of the date of this letter : Delete all 30 Days Late entries for Account # XXXX from all credit bureaus. 

Provide a written and signed commitment to report the payment history from XX/XX/XXXX, until the contract 's maturity as " Paid as Agreed, '' provided the agreed-upon payment of {$650.00} is made by the XX/XX/XXXX due date, and subsequent payments are timely made thereafter. 

Provide written confirmation of the deletion and the future reporting commitment. 

Failure to fully comply will be treated as a willful violation of the FCRA, and this correspondence will be cited in the pending CFPB complaint and the planned civil lawsuit ( damages greater than {$12000.00} ). 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation