Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I did not and will not agree to have my private, sensitive information sold or shared with a third-party company ; therefore, the debt doesn't belong to me. The Collection Agencies must be DELETED from reporting to ALL Private Credit Bureaus, ASAP. 

XXXX XXXX XXXX ALLY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Debt Validation Request - XXXX XXXX XXXX ALLYXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Dear XXXX XXXX XXXX, XXXX XXXX XXXX This letter is to formally dispute the alleged debt you are attempting to collect, purportedly purchased from XXXX XXXXXXXX XXXX XXXX ALLY, Account Number- XXXXXXXX XXXX XXXX XXXX. And XXXX XXXX XXXX : XXXX XXXX, Account Number- XXXX. I am requesting full validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. 

I am aware that you have acquired this alleged debt from XXXXXXXX XXXX However, I have no contractual agreement, either verbal or written, with XXXX XXXX XXXX ALLY, and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX Therefore, I consider this debt to be null and void. 

Pursuant to 15 U.S.C. 1692g, I am requesting the following documentation to validate this alleged debt : A complete and detailed payment history for this account. This must include all payments, credits, and debits from the original date of the account 's inception with ALLY, both XXXX XXXX XXXX accounts. 

A copy of the original signed contract bearing my signature that I allegedly entered into with ALLY, both XXXX XXXX XXXX accounts. This is necessary to verify the legitimacy of the debt and my agreement to its terms. 

Confirmation of whether any insurance claims have been filed or paid regarding this debt. If such claims exist, please provide documentation. 
A complete chain of title demonstrating your legal right to collect on this debt. This must include documentation showing the transfer of the debt from ALLY, both XXXX XXXX accounts, to XXXX XXXX XXXX, and XXXX XXXX XXXX. 

In addition to the debt validation requests outlined above, I demand that XXXX XXXX XXXX and XXXX XXXX XXXX immediately cease reporting this account to all credit reporting agencies. Furthermore, should you be unable to validate this debt as requested, I demand that you immediately notify all credit reporting agencies to which you have reported this account and request that they delete all information related to this account from my credit reports. 

Please be advised that under 15 U.S.C. 1692g, if you fail to provide the requested validation within 30 days of receipt of this letter, you must cease all collection activities. Furthermore, the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

15 U.S.C. 1692e ( Prohibited Debt Collection Practices ) : This section lists specific practices that are prohibited, such as misrepresenting the nature or amount of the debt or using false or misleading representations. 

Additionally, pursuant to 15 U.S.C. 1692c, this letter serves as formal notification that I refuse to pay this alleged debt and demand that you cease all further communication with me regarding this matter. 

Please provide all requested documentation to the address listed above. 

I expect your prompt attention to this matter.

Company response to consumer: Closed with explanation