Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Multiple Errors reported on REPORT!

1. Re-aging / Excessive Charge-Off Reporting The account shows XXXX XXXX XXXX XXXX XXXX XXXX for XXXX consecutive months ( XX/XX/XXXX XX/XX/XXXX ). 

XXXX XXXX XXXX and FCRA : A charge-off is a one-time accounting event ( usually at XXXX  days delinquent ). 

XXXX XXXX  reporting misrepresents ongoing delinquency and inflates derogatory marks.

FCRA 607 ( b ) Reports must be accurate and not misleading. 
XXXX XXXX ( XXXX XXXX XXXX XXXX ) Charge-offs should only be reported once, not monthly. 

Violation : XXXX XXXX  reporting is both inaccurate and misleading.

2. Account is Both Charged Off and Past Due Status reads : Account charged off. {$29000.00} written off. {$21000.00} past due as of XX/XX/XXXX. 

This is misleading and a violation of FCRA and XXXX XXXX : A charged-off account should not reflect an active past due balance with the original creditor. 

It implies the consumer is still missing payments, which is impossible after a charge-off. 

FCRA 623 ( a ) ( 2 ) Furnishers must not report accounts in a way that creates false impressions. 

3. Inconsistent Charge-Off and Last Payment Dates The last payment is reported as XX/XX/XXXX, yet charge-off reporting begins in XX/XX/XXXX, nearly XXXX years earlier. 

This is contradictory : a payment in late XXXX means the account was not charged off in early XXXX. 

FCRA 607 ( b ) All dates must be consistent and accurate. 
XXXX XXXX : Charge-off date should reflect the actual date the account was written off, not fabricated. 

This is a serious error and may indicate illegal re-aging of the account to extend the derogatory period.

4. Missing or Unreported DOFD ( Date of First Delinquency ) No DOFD is listed in the report. 

Under FCRA, the DOFD : Is required for calculating the XXXX reporting limit. 

Must be provided within 90 days of charge-off. 

Must not be changed or updated to restart the derogatory clock.

FCRA 623 ( a ) ( 5 ) Furnishers must accurately report the XXXX to credit bureaus. 

Without the XXXX, the XXXX period can not be properly enforced which violates consumer rights.

5. Past Due Amount Still Reporting With $ 0 Monthly Payment Account shows : Monthly payment : {$0.00} Past due : {$21000.00} A $ 0 monthly payment means the account is no longer active, so there can be no past due amount.

FCRA 607 ( b ) Reports must match financial reality. 
A past due amount implies ongoing billing, which is false. 

XXXX. Balance Remaining After Charge-Off with No Sold or Transferred Notation Status says charged off, but does not note whether : The debt was sold to a third party, or Still retained by Ally Financial.

If sold, Ally must report {$0.00} balance and a comment such as sold to another lender.

FCRA 623 ( a ) ( 2 ) Requires updating account status accurately after changes.

Lack of this clarity is misleading and may imply liability to Ally when they no longer own the debt. 

Please conduct an investigation into these matters. I have attached my recent Credit Report.

Company response to consumer: Closed with explanation