Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Formal Complaint Credit Reporting Violations and Identity Theft ( FCRA & GLBA Violations ) Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) by XXXX, XXXX, XXXX, and several creditors reporting fraudulent or inaccurate accounts. 

Despite multiple disputes and the submission of an Identity Theft Report ( FTC affidavit ), a police report, and a government-issued ID, these fraudulent and inaccurately reported accounts remain on my credit report, causing me ongoing financial and emotional harm. 



FRAUDULENT & INACCURATE ACCOUNTS ( Not Blocked Under FCRA 605B 15 U.S.C. 1681c-2 ) 1. ALLY FINANCIAL Account Number : XXXX This account continues to report a charge-off monthly with a balance of {$20000.00} even though the original charge-off amount was {$22000.00}. The account is closed, yet it continues to report negatively. This is inconsistent, unverifiable, and misleading under FCRA 1681e ( b ). 
I submitted all required identity theft documentation under FCRA 1681c-2, yet no action has been taken. 
I am demanding permanent deletion under FCRA 1681i ( 5 ) unverifiable or inaccurate data must be removed. 
2. XXXX Account Number : XXXX This account is listed as a repossession, but I never received a formal repossession notice, violating my rights under UCC and FCRA 1681s-2 ( b ). 
I also included this account in my identity theft documentation and still received no resolution. 
3. XXXX XXXX Account Number : XXXX This account reports a repossession and charge-off, but is also listed as purchased by another lender without clarification or ownership validation. 
This violates FCRA 1681e ( b ) due to conflicting and unverifiable information. 
4. XXXX XXXX Account Number : XXXX This account had been previously removed after a successful dispute, but was later reinserted without required notice, violating FCRA 1681i ( a ) ( 5 ) ( B ) which mandates consumer notification within five business days of reinsertion. 



FRAUDULENT ACCOUNTS REPORTED TO XXXX  : 5. XXXX XXXX XXXX Account Number : XXXX Fraudulent account opened using my Social Security number, but not my residential address. I provided both an FTC affidavit and police report, yet the account still remains. 
Violates 15 U.S. Code 6802 improper disclosure and handling of personal data. 
6. XXXX XXXX Account Number : XXXX Another fraudulent account reporting without my authorization or consent. Again, submitted FTC and police documentation, but no resolution. 
This constitutes unauthorized credit reporting in violation of FCRA 1681b and GLBA 6802. 



Summary of Violations : Failure to Block Fraudulent Accounts under FCRA 605B ( 15 U.S.C. 1681c-2 ) Reinsertion without Notification in violation of FCRA 1681i ( a ) ( 5 ) ( B ) Failure to Maintain Accuracy under FCRA 1681e ( b ) Lack of Proper Investigation under FCRA 1681i ( a ) and 1681s-2 ( b ) Unlawful Disclosure of Personal Information under 15 U.S. Code 6802 ( GLBA ) Reporting Without Authorization under FCRA 1681b Attachments Included : FTC Identity Theft Report ( Affidavit ) Local Police Report Copy of Government-Issued ID Supporting documentation of all disputes filed Request for Relief : I respectfully request the CFPB to investigate this matter and compel the credit reporting agencies and furnishers to : 1. Permanently block and remove the above-listed accounts under FCRA 1681c-2 ; 2. Enforce compliance regarding notification requirements for reinserted items ; 3. Hold XXXX XXXX, and XXXX  accountable for their failure to comply with the laws protecting consumers against identity theft and inaccurate reporting ; 4. Apply appropriate penalties or corrective actions as outlined by federal law.

Company response to consumer: Closed with explanation