Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the Ally Financial tradeline appearing on my credit report. The information being reported contains significant discrepancies across credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ). Due to these inaccuracies and the unverifiable nature of this reporting, I am requesting the immediate deletion of this tradeline from my credit report.

I have contacted Ally directly via written communication several times to request this information be reviewed and corrected. I have also requested the bureaus investigate this inaccurate information. I have even submitted several CFPB complaints regarding the inaccurate information reported. My communications began in XXXX, and the earliest CFPB complaint is dated XX/XX/XXXX by Ally 's own admission in the documents included in this complaint. Each time I've submitted a dispute, Ally financial has suggested they've thoroughly verified and validated an account that is highly inaccurate. This proves that Ally has not conducted a thorough investigation satisfactorily and validated the disputed information within XXXX  days as outlined by the FCRA, and the entire tradeline MUST BE DELETED IMMEDIATELY. The FCRA mandates this information be removed. 

Discrepancies Identified : Re-Aging of the Charge-Off Date : Ally states the date of first delinquency as XX/XX/XXXX. 

XXXX bureau reports charge-off/collection from XX/XX/XXXX to XX/XX/XXXX, suggesting unlawful re-aging of the account. 

Another bureau only reports a charge-off in XX/XX/XXXX, which is inconsistent and misleading. 

The third bureau does not report the account at all, indicating further inconsistencies. 

This constitutes a violation of the FCRAs requirement that charge-offs be removed after XXXX years from the date of first delinquency. 

Conflicting Late Payment History : XX/XX/XXXX- XX/XX/XXXX : XXXX bureau reports these months as paid on time, while another shows XXXX lates. 

XX/XX/XXXX : XXXX bureau reports it as XXXX  days late, while another shows XXXX  days late for the same month. 

XX/XX/XXXX : XXXX bureau shows on-time payment, while another shows XXXX  days late. 

These inconsistencies prove that Ally is furnishing conflicting information to different bureaus, violating the requirement for accuracy in reporting. 

Balance Inconsistencies : Ally states that the original loan balance was {$12000.00}. 

XXXX reports show the balance as {$12000.00}, while another report lists it as {$12000.00}. 

If the balance is not consistently reported, it is further proof that Ally 's reporting is inaccurate and misleading. 

Legal Violations : The inconsistencies outlined above demonstrate clear violations of the Fair Credit Reporting Act ( FCRA ), which requires that information reported to credit bureaus be accurate, complete, and verifiable. 

Since Ally has failed to provide consistent and verifiable information regarding this account within XXXX  days of my initial notification of dispute, I am requesting the immediate deletion of the entire tradeline from my credit report. If the inaccuracies can not be fully corrected across all bureaus, the account must be removed entirely in compliance with federal law. 

Please investigate this matter promptly and provide me with written confirmation of your findings. If this erroneous information is not removed, I am prepared to escalate my dispute and seek further legal remedies. 

Thank you for your prompt attention to this matter. I expect to receive a response within XXXX  days as required by the FCRA.

Company response to consumer: Closed with explanation