Consumer complaint received 2025-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am writing to formally dispute certain inaccuracies on my credit report, as reported by your agency. 15 US C 1681 section 602 A. States I have the right to privacy.

15 U.S-C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX : Consumer reporting agencies XXXX XXXX  and XXXX  Notice : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute certain inaccuracies on my credit report, as reported by your agency. 15 US C 1681 section 602 A. States I have the right to privacy.

15 U.S-C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of formation, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Uniform Commercial Code ( UCC ) Article 9, I am requesting the immediate investigation and removal of the following erroneous item ( s ) from my credit file : Accounts : ALLY FINCL Account # XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2018 Balance : {$6000.00} High Credit : {$15000.00} Legal Grounds for My Dispute 1. Hard Inquiries Under FCRA 604 ( a ) ( 2 ) and ( 3 ), 15 U.S.C. 1681b, a permissible purpose must exist for any credit inquiry. If you can not provide proof that I authorized these inquiries, they must be deleted immediately.

2. Charge-offs & Late Payments The FCRA 609 ( a ) ( 1 ) and 611 ( a ) mandates that all information on a consumer report must be accurate and verifiable. If the creditor can not provide original documentation with my signature proving the validity of these negative items, they must be removed. 
The Consumer Financial Protection Bureau ( CFPB ) guidelines require creditors to report complete and accurate information. Any unverifiable or outdated data must be deleted per 15 U.S.C. 1681i ( a ) ( 5 ).

3. Student Loans According to 20 U.S.C. 1087e ( a ) ( 1 ), certain student loans may be discharged under specific conditions. If my loan qualifies for cancellation or has been reported incorrectly, this error must be corrected. 
FCRA 623 ( a ) ( 1 ) ( B ) mandates that only accurate, complete, and verifiable information be reported. If this standard is not met, the disputed entry must be Removed.

4. Discharged Accounts Under 11 U.S.C. 524 ( a ) of the U.S. Bankruptcy Code, debts discharged in bankruptcy are no longer enforceable. If any accounts on my report were discharged and still appear as delinquent, this violates federal law and must be corrected immediately. 

Action Requested Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), you are required to investigate this dispute within 30 days of receipt and provide me with a written response regarding the outcome. If the disputed information can not be verified, it must be deleted.

Additionally, if any of the disputed accounts were furnished by a third party, I demand that the original furnishers be notified and required to correct or delete the erroneous data under FCRA 623 ( b ) .If you fail to correct these inaccuracies, I will exercise my rights under FCRA 616 and 617, which allow for legal action, including statutory damages of up to {$1000.00} per violation, inaddition to attorney fees and court costs. 




ALLY FINCL Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2018 Balance : {$6000.00} High Credit : {$15000.00}

Company response to consumer: Closed with explanation