Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
First contact from Me to Ally - XX/XX/year> first notification on credit of change of status XX/XX/year> - Ally will not discuss account transferred to outside party XX/XX/year> - go back and forth with Ally and company called XXXX ask for supervisor - told will get call back XX/XX/XXXX no call back- I call back repeat issue and request transferred again to many different departments and the again to XXXX - asked for supv. again and told 24-48 hours will get call back XX/XX/XXXX follow up again still nothing now told it may take a few days for supervisor they are no avail now wait and call back in a 5 days if you don't hear back Continue to touch base through XXXX still nothing no supervisor credit is destroyed but Ally still actively accepting payments. Can not talk to the " original owner " XXXX - call again get sent to XXXX - Speak to XXXX ask for validation and supervisor - speak to a supv. at XXXX but they are trying to help reach Ally. 

XX/XX/XXXX the advised to go into portal and send secured message through Ally- I am unable to send message as I received errors- finally message goes through. Get a response 24 hours later due to nature of your request we will need to call you back with in 24-48 hours.

72 hours later still now call - I phone again toda
y XX/XX/year> and still can not get a human being to speak to Ally that can access or speak about account continues to go XXXX- who again does not own account and will only ask for money. 


I am writing in regards to Ally and the unavailability of speaking to an actual higher up supervisor for almost 3 months now. My rights as a consumer have been violated and I am still unable to date XX/XX/year> speak to a representative from Ally regarding an account. 



In XXXX, I received an alert about a change to my credit file stating Ally account was changed to closed. Dropping my score by over XXXX points. I was under an extended payment plan for lease turn in money owed that was made in XXXX of XXXX  and Ally was actively taking my online payments as of XX/XX/year>. I was able to access the account but Ally was not able to access an account. I have phoned numerous times trying take care of this matter only to be transferred amongst departments for well over 2 months now. I have repeatedly spoken to representatives from Ally that tell me they can not access this account and they keep transferring me to XXXX XXXX who I am now being told handles the account but does not own the account. I have never received anything in writing from XXXX showing anything in regards to an account being with them. I reached back out to Ally when informed about this through the phone and being transfered to said department. 
When asked for a supervisor I am told they are not available, they are out to lunch or a supervisor will be in touch 24-48 hours. While numerous attempts have been made I have not been able to get a return call from a supervisor about an account that they say is closed and they have no access to but now another company is handling account- XXXX XXXX XXXX is stating they do not own the debt, they do not report to credit bureaus and that Ally does and any corrections need to be made through Ally. One company is telling me an account is closed and they can not discuss it or access it any longer that being ALLY who is the one company that is showing a charge off on my and my husbands report. While another company is telling me they do not own it but they can take payment? My credit worthiness has been affected by this and I still am unable to reach a person at Ally to communicate with and make this correct. I am pleading as I one time courteous to please have someone contact me from ALLY so that they can access the account that Ally owns so I can deal with them directly and have the account reset, updated and taken care of to correct information on credit file. Again as a consumer this feels like unfair reporting and is against the FCRA. Ally closed account and reported negative information that has hindered my creditworthiness significantly and has diminished my credit worthiness - which has been worked on to established a fair standing. All the while still to date Ally has been accepting payments. 

As of XX/XX/year> - Balance is incorrect, status is incorrect credit has been severely impacted for myself and my husband- of which was never ones contacted as well.

Can not speak to actual Owner of said account

Company response to consumer: Closed with explanation