Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XX/XX/XXXX INTRODUCTION I, XXXX XXXX, make this statement voluntarily to report and document a series of unauthorized vehicle acquisitions, identity misuse, insurance fraud, and related fraudulent activities perpetrated between XXXX and XXXX. 

This statement reflects my direct experiences, observations, and knowledge of events involving multiple individuals and dealerships who participated in, assisted with, or enabled the fraudulent acquisition and insuring of vehicles in my name and/or my business entity without my knowledge, consent, or possession. 

XXXX. INITIAL CONTACTS AND BUSINESS PRESENTATION XX/XX/XXXX : I met an individual named XXXX, at an event. He arranged the meeting with XXXX. 

XX/XX/XXXX : I was introduced to XXXX XXXX, who requested preparation of business plans for yacht rentals and an exotic car rental operation. 

XX/XX/XXXX : Meeting attended by : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( introduced as dealer broker ) At this meeting, the alleged exotic car operation was structured as : XXXX XXXX : Operations XXXX XXXX : He would bring other clients like me who wanted to get into the car loaner business XXXX XXXX : Vehicle acquisition broker Additional individuals involved : XXXX : Vehicle movement and pickups. XXXXXX/XX/XXXX former brother in law. 

XXXX XXXX : Verifying customer IDs and insurance. Along with bringing clients XXXX XXXX XXXX storage and partners to XXXX. He is also XXXX cousin XXXX XXXX : Vehicle storage and partners to XXXX. He works at XXXX XXXX XXXX XXXX XXXX : Business partner to XXXX, vehicle operations. Went toXX/XX/XXXX for XXXX XXXX XXXX. DEALERSHIP ACTIVITIES XX/XX/XXXX Between XX/XX/XXXX, over XXXX days, XXXX XXXX and others took me to multiple dealerships in XXXX XXXX XXXX 

Consistent pattern at all dealerships : Vehicles already selected Rushed signing of electronic/paper documents No contract review allowed No delivery of keys or copies No authorization given by me for signing Finance managers at multiple dealerships were complicit in the scheme Dealerships and contacts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZED SIGNING While I was on a cruise, XXXX XXXX completed and signed contracts on my behalf without consent. 

I only discovered these contracts later while investigating the vehicles. 

Once I realized what he was doing he replied that he did not want to bother me since I was on vacation or working. 

I did go to some of the dealers but not all of them. 

XX/XX/XXXX DISCOVERY OF UNAUTHORIZED VEHICLES AND INCIDENTS I began receiving toll and parking violations for vehicles I never possessed. 

I had no knowledge of plate numbers, VINs, or types of vehicles. 

Multiple vehicles in my name were involved in crashes without my knowledge or possession. 

Insurance claims were submitted by XXXX XXXX, not by me. 

XX/XX/XXXXVEHICLE CONTROL AND ONGOING ISSUES Between XX/XX/XXXX and XX/XX/XXXX, I gained control of my vehicles, but not of the documentation nor all the keys. 

During this period, there were numerous instances where vehicles were stolen, crashed, repossessed, or towed. 

Due to the repeated incidents and inability to fully secure the vehicles, I ultimately gave up trying to manage or recover full control. 

XXXX. VEHICLE STORAGE LOCATIONS Vehicles tied to this operation were stored at : XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX, XXXX, FL XXXX. UNAUTHORIZED INSURANCE POLICIES XXXX XXXX opened multiple insurance policies in my name and/or business entity without consent. 

Policies were used to insure vehicles I never possessed. 

Claims were filed without my knowledge. 

This constitutes : Unauthorized procurement of insurance Misrepresentation of ownership Insurance fraud Identity misuse Potential financial institution fraud XXXX. COORDINATED FRAUD SCHEME AND TITLE-WASHING CONNECTION Evidence demonstrates a coordinated, multi-party fraud scheme : Unauthorized electronic/paper signatures False business representations Vehicles acquired without delivery Insurance policies opened and claims filed without consent Multiple dealerships involved under a central organizer ( XXXX XXXX ) The Attorney General of Pennsylvania identified XXXX of my vehicles in a title-washing scheme orchestrated by known associates of XXXX XXXX. 

Article : Captured Leader of Central PA-BasedXX/XX/XXXX XXXX Vehicle Title Washing Scheme Arrested in XXXX XXXX XXXX XXXX Charges XXXX People in XX/XX/XXXXXXXX Luxury Vehicle Title Washing Scheme XXXX XXXX was XXXX in a similar case : Article : XXXX Arrests Made in {$5.00} XXXX Vehicle Fraud OperationXX/XX/XXXXPOTENTIAL VIOLATIONS OF LAW Florida Statutes : XXXX XXXX XXXX XXXX. XXXXXX/XX/XXXX. XXXX Identity Theft XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX Forgery / Uttering Forged Instruments Fraudulent Motor Vehicle Title Applications Federal Violations : Wire Fraud Bank Fraud Identity Theft Conspiracy Insurance Fraud Potential Money Laundering XXXX. AFFIRMATION I affirm that the statements above are true and correct to the best of my knowledge and recollection. 

Signature : XXXX XXXX

Company response to consumer: Closed with explanation