Consumer complaint received 2026-06-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Company Names : Ally Financial , Inc. XXXX XXXX XXXX. Issue : Inaccurate Credit Reporting / Failure to Provide Account Ownership Information / Failure to Accept Payment Complaint : I am filing this complaint regarding an account that continues to be reported on my consumer reports despite conflicting information from the companies involved and my repeated good-faith efforts to resolve the matter. I contacted Ally Financial concerning an account appearing on my credit report. Ally advised me that the account had been transferred and that I needed to contact XXXX XXXX XXXX. I subsequently contacted XXXX XXXX XXXX and entered into a hardship payment arrangement. XXXX accepted the arrangement and accepted my initial payment. The following day, after receiving no confirmation, I contacted XXXX again and was informed that the account had been closed, the payment was being returned, and that the account was allegedly no longer with XXXX. I then contacted Ally Financial again and was informed that Ally did not have the account. As a result, both companies have effectively disclaimed responsibility for the account. Neither company has identified the current owner of the account, the current servicer of the account, the party authorized to accept payment, or the party furnishing information to the consumer reporting agencies. Despite this, the account continues to be reported on my consumer reports and continues to negatively impact my credit profile. I have made good-faith efforts to resolve the account and tender payment, but those efforts were frustrated when the payment was accepted and subsequently returned. To date, neither company has provided : A complete accounting of the account. Documentation identifying the current owner or holder of the account. Documentation explaining the transfer history of the account. Documentation explaining why payment was accepted and then returned. Documentation establishing who currently has authority to collect, settle, or administer the account. Documentation supporting continued credit reporting. The continued reporting of an account for which no responsible party can be identified is causing ongoing harm. The reporting has negatively affected my ability to obtain housing, employment opportunities, and financial opportunities and has caused substantial emotional distress and mental anguish. Requested Resolution : Immediate investigation of the account ownership and servicing history. Identification of the entity currently authorized to collect, settle, administer, or report the account. A complete accounting and payment history. Written explanation for the acceptance and subsequent return of my payment. Suspension of all credit reporting concerning this account while the ownership, reporting, and account information are investigated. Removal or correction of any inaccurate, misleading, incomplete, unverifiable, or unsupported information being reported concerning this account. Written confirmation of the results of the investigation. I am willing to resolve any legitimate obligation upon receipt of accurate information identifying the proper party and providing a complete accounting.

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