Consumer complaint received 2025-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Formal Complaint Regarding Inaccurate Late Payments Request for Permanent Deletion and FCRA Compliance To Whom It May Concern, This is a formal complaint filed against Ally Financial regarding the inaccurate and unlawful reporting of late payments on my consumer credit file. The continued reporting of derogatory late paymentswithout verified supporting documentationis a direct violation of the Fair Credit Reporting Act ( FCRA ) and related federal statutes governing the responsibilities of furnishers of credit information.

As a data furnisher, Ally Financial is legally obligated to ensure the maximum possible accuracy of any information it supplies to consumer reporting agencies ( CRAs ). However, the alleged late payments being reported are inaccurate, incomplete, and remain unverified, despite prior disputes. These actions constitute willful and negligent noncompliance with the following federal laws : Violated Federal Laws & Legal Codes : 15 U.S.C. 1681s-2 ( b ) : Requires furnishers to conduct a proper reinvestigation of disputed information, report the results to CRAs, and delete or correct any information that is found to be inaccurate, incomplete, or unverifiable.

15 U.S.C. 1681e ( b ) : Mandates that furnishers and CRAs maintain and report only data with the maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Requires CRAs to conduct reinvestigations when consumers dispute information. If the data can not be verified, it must be deleted within 30 days.

15 U.S.C. 1666b : Provides that payments must be posted promptly and fairly. If Ally Financial misapplied or delayed payment processing, any resulting late reporting is legally invalid.

Demand for Verification & Documentation : I previously submitted a formal dispute and demanded the following documents and disclosures, which Ally Financial failed to provide : 1. The Method of Verification used to confirm the alleged late payments.

2. The Full and Detailed Results of the reinvestigation, including timelines, call logs, and communication records.

3. A Copy of the Original Signed Contract allegedly obligating me to the reported payment terms.

Ally Financials failure to validate the account with legally sufficient documentation is a violation of the above statutes and renders the derogatory reporting both inaccurate and unlawful.

Formal Legal Demand : Pursuant to my rights under the FCRA, I hereby demand : 1. Immediate and permanent deletion of all late payment notations associated with this Ally Financial account from all credit reporting agencies ( TransUnion, Experian, and Equifax ).

2. An update to the payment history reflecting a status of Paid As Agreed in full compliance with 15 U.S.C. 1681e ( b ).

3. Delivery of all supporting documentation including : Original signed contract or application Method and source of verification Date, time, and identity of the person ( s ) or system verifying the data If Ally Financial is unable to produce complete, original documentation verifying the validity and accuracy of the late payments, it is legally obligated under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) to delete the information from the credit file.

Notice of Intent : If this complaint is not resolved within XXXX ( XXXX ) days, I will pursue the following actions : Submit a formal Consumer Financial Protection Bureau ( CFPB ) complaint File reports with the Federal Trade Commission ( FTC ) and State Attorney General Pursue civil litigation seeking damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance with the FCRA This complaint is filed in good faith. If the information can not be fully verified, it must be deleted under federal law. I request immediate action to bring this matter into compliance with the law and restore the accuracy of my credit file. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/year>

Company response to consumer: Closed with explanation