Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I want the debt reported by Ally Financial to be removed from all three credit reporting bureaus. On XXXX XXXX, XXXX, I called Ally Financial to inquire about the debt they claim I owe. I recently filed a Complaint against Ally with the CFPB ( check your records ). Ally 's and all XXXX credit reporting agencies response to my complaint was that the creditor 's records ( Ally ) were correct and they closed the file. Ally Auto/Ally Financial and all XXXX credit reporting agencies XXXX XXXX XXXX XXXX are reporting inaccurate, fictious, malicious and intentionally wrong information damaging my credit, name and my right to obtain credit. 
When I contacted Ally on XX/XX/XXXX, the first red flag was that the automated recording stated based on my social security # and phone number, " my vehicle has been assigned for repossession. '' That's inaccurate because the vehicle was totaled in XXXX and Ally settled the balance owed with XXXX XXXX, my insurance company at that time. When a live agent came on the line, I was informed that they could not help me or give me any information concerning the account because the debt had been sent/sold to XXXX XXXX XXXX XXXX XXXX debt collection agency. I was given XXXX 's contact number and called XXXX and was told ( XXXX red flag ) that on XX/XX/XXXX, this debt was recalled and sent back to the original creditor Ally. I then called Ally back to let them know that XXXX said the debt was sent back to Ally on XX/XX/XXXX. I was bounced around to several representatives who all stated the same ( XXXX red flag ), they could not talk to me or assist me with any information about the debt. The last rep I spoke with said they had to investigate the account because right now it was in " cyberspace '' - the collection agency XXXX has it held up in their system and until they release it - there is no information Ally can give me concerning the alleged debt. 
As of today, XX/XX/XXXX, because I had not heard anything back from Ally, I called back to see if any progress had been made concerning this debt they claim I owe. I was stated a settlement amount but it was quickly retracted because the representative told me that he had made the settlement offer in error because the debt has been transferred to XXXX XXXX and he could not give me any information. He gave me the number to XXXX XXXX and I called to see if they could tell me anything new about this inaccurate debt in my name. The number I was given by Ally was to XXXX XXXX XXXX and they told me they no longer had my debt as of XXXX it was recalled and sent back to the original creditor so they could not give me any information and I would need to contact Ally, the original creditor. 
I did not place another call to Ally but decided to file a Complaint with CFPB because all XXXX credit bureaus are reporting erroneous information on my credit report damaging my credit. XXXX, XXXX and XXXX all responded to my previous complaint that they had investigated the allegations in my complaint against Ally and reported to the CFPB that the creditor 's information had been verified. All XXXX bureaus reported wrong information and I am requesting that all XXXX bureaus remove the erroneous ALLY account from my credit report. 
If I can not get information from the original creditor or the " collection agency '', which at this point XXXX and XXXX claim to have had this inaccurate account in my name at the exact same time ( is that even legal ) so in reality without the account holder being about to obtain information - pay the debt or settle the debt - then this debt DOES NOT EXIST and by Law it has to be REMOVED from all XXXX credit reporting bureaus immediately. BY LAW - IT HAS TO BE REMOVED! 
The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates credit bureaus and protects consumers. It ensures the accuracy, fairness, and privacy of the information in consumer credit bureau files.

Company response to consumer: Closed with explanation