Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Here 's a draft for your dispute letter to XXXX. You can modify it as needed before sending : -- - XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to formally request validation of the debt referenced above, which has appeared on my credit report or has been communicated to me by your agency. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX, I have the right to request full validation of the alleged debt before taking any further action. 

Please provide the following documentation : Proof that you have the legal right to collect this debt ( a copy of the original creditor agreement showing transfer of the debt ). 
A detailed accounting of the amount owed, including the original balance, any interest, fees, or charges added. 
Copies of the original signed contract or agreement establishing my obligation to pay this debt. 
Proof that this debt has not been settled, discharged, or otherwise rendered invalid. 
A complete payment history from the original creditor to the present, including all payments made and any adjustments. 
If you are unable to provide this information, I request that this debt be immediately removed from my credit report and that you cease all further collection efforts as required by law. 

Please respond to this request within 30 days, as mandated by federal law. Any failure to provide proper validation may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 

Sincerely, XXXX XXXX XXXX. XXXX XXXX - **Date Inquired : ** XX/XX/XXXX - **Business Type : ** Automobile Dealers, Used - **Contact : ** XXXX XXXX XXXX XXXX, XXXX, GA XXXX, ( XXXX XXXX XXXX - **Inquiry Duration : ** Scheduled to remain on record until XX/XX/XXXX. 

XXXX. **Ally Financial** - **Date Inquired : ** XX/XX/XXXX - **Business Type : ** Auto Financing Companies - **Contact : ** XXXX XXXX XXXX, XXXX, MI XXXX, XXXX XXXX ) XXXX - **Inquiry Duration : ** Scheduled to remain on record until XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXX** - **Date Inquired : ** XX/XX/XXXX - **Business Type : ** Auto Financing Companies - **Contact : ** XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX - **Inquiry Duration : ** Scheduled to remain on record until XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXX** ( duplicate inquiry ) - **Date Inquired : ** XX/XX/XXXX - **Business Type : ** Auto Financing Companies - **Contact : ** XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX - **Inquiry Duration : ** Scheduled to remain on record until XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX **Date Inquired : ** XX/XX/XXXX - **Business Type : ** Finance Companies - Non-specific - **Contact : ** XXXX XXXX XXXX, XXXX, GA XXXX, ( XXXX XXXX XXXX XXXX **Inquiry Duration : ** Scheduled to remain on record until XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : ** XX/XX/XXXX - **Business Type : ** Automobile Dealers, New - **Contact : ** XXXX XXXX XXXX XXXX, XXXX, GA XXXX, ( XXXX XXXX XXXX - **Inquiry Duration : ** Scheduled to remain on record until XX/XX/XXXX. 

XXXX. XXXX XXXX - XXXX*Date Inquired : ** XX/XX/XXXX - **Business Type : ** Auto Financing Companies - **Contact : ** XXXX XXXX XXXX, XXXX, MI XXXX, XXXX XXXX ) XXXX - **Inquiry Duration : ** Scheduled to remain on record until XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX - XXXXDate Inquired : ** XX/XX/XXXX - **Business Type : ** Bank Credit Cards - **Contact : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( by mail only ) - **Inquiry Duration : ** Scheduled to remain on record until XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXX **Date Inquired : ** XX/XX/XXXX - **Business Type : ** Auto Financing Companies - **Contact : ** XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX ( XXXX XXXX XXXX XXXX **Inquiry Duration : ** Scheduled to remain on record until XX/XX/XXXX. 

XXXX. XXXX XXXX - **Date Inquired : ** XX/XX/XXXX - **Business Type : ** Bank Credit Cards - **Contact : XXXX XXXX XXXX XXXX - **Inquiry Duration : ** Not specified. 

XXXX. XXXX XXXX XXXX XXXX **Date Inquired : ** XX/XX/XXXX - **Business Type : ** Automobile Dealers, Used - **Contact : ** XXXXXXXX XXXX  XXXX - **Inquiry Duration : ** Not specified. 

XXXX. XXXX XXXX XXXX XXXX XXXX*Date Inquired : ** XX/XX/XXXX - **Business Type : ** Finance Companies - Non-specific - **Contact : ** XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX - **Inquiry Duration : ** Scheduled to remain on record until XX/XX/XXXX. 

This summary provides an overview of each inquiry, including the date, business type, contact information, and how long the inquiry will remain on your record. If you need further assistance or want to take action regarding any specific inquiry, let me know! 

I request that you conduct a thorough investigation into these matters and provide me with the results of your findings. In accordance with the Fair Credit Reporting Act, I expect a response within the legally required timeframe. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX ---

Company response to consumer: Closed with explanation