Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
Subject : FORMAL FRAUD DISPUTE OF AUTO LOAN ACCOUNT XXXX IMMEDIATE ACTION REQUIRED To Whom It May Concern, I am formally disputing the fraudulent auto loan account XXXX, which was fraudulently opened in my name without my authorization. This is a clear case of identity theft and unauthorized credit activity. 

Under Mississippi Code 97-19-85 ( Identity Theft Law ) and 15 U.S.C. 1681c-2 ( Fair Credit Reporting Act - FCRA ), I demand immediate closure and removal of this fraudulent account from my credit report and records. 

LEGAL VIOLATIONS AND DEMANDS 1. Fraudulent Account & Identity Theft This auto loan was opened fraudulently. Under Mississippi Code 97-19-85, unauthorized use of personal information for financial gain is a criminal offense. 
You are legally required to investigate and remove fraudulent accounts from my credit file upon request. 
I demand an immediate investigation and permanent deletion of this account from your records and any credit reporting agencies. 
2. Request for Original Loan Application & Supporting Documents Pursuant to Mississippi Consumer Protection Act ( Miss. Code Ann. 75-24-1, et seq. ) and 15 U.S.C. 1635 ( Truth in Lending Act - TILA ), I demand a certified copy of my original loan application and all supporting documents, including : The original signed loan application; The executed retail installment contract ; Any identification or documents used to process this loan ; The name and credentials of the agent or dealer who approved the loan. 
If you fail to provide these documents within 30 days, I will assume you lack legal authorization to collect this debt, and I will escalate this matter accordingly. 
3. Illegal Credit Reporting & Violations of FCRA If this fraudulent account has been reported to credit bureaus, it is a direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ) and Mississippi Code 75-24-9 ( Unfair or Deceptive Business Practices ). 
You must immediately notify all credit bureaus to remove this account from my credit file. 
Failure to do so will result in formal complaints filed with the Mississippi Attorney Generals Office, the Federal Trade Commission ( FTC ).

DEMAND FOR IMMEDIATE ACTION To resolve this matter, I require : Written confirmation that this fraudulent account has been closed and removed from my credit file.

A full refund of any unauthorized charges, if applicable.

Immediate cessation of any collection, reporting, or adverse actions related to this account. 
A copy of my original loan application and supporting documents within 30 days. 

Failure to comply will result in legal action and formal complaints against your company. If this matter is not resolved within 30 days, I will pursue all available remedies, including civil litigation for damages, statutory penalties, and legal fees under Mississippi and federal laws. 

This letter serves as formal written notice. You are hereby prohibited from taking any further collection or reporting actions on this fraudulent account. 

I expect an urgent response, and I demand immediate corrective action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation