Consumer complaint received 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX DOB : XX/XX/XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX, MI XXXX To whom it may concern : My rights as a consumer are being violated with this inaccurate information. I have the right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance! The one thing I won't tolerate is negative information. It doesnt matter if it's certified or not, what matters to me are the facts and truths of anything that may be going on with your company and the data you have concerning my credit profile.The credit report I received is not accurate which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards.Here 's my challenge for you : Make a document that shows all of the evidence for each claim and send it to me. It should be verified, complete and true! The XXXX XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. I'm unsure if the reporting process was done correctly or whether it's in proper format, so we can't say that your claims are accurate either way. The following claims are controversial and have not been independently verified as true.Please remove any false accounts from my credit report. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future. My credit report is my life. I want only factually accurate, verified and compliant data documented on it! 
ALLY FINANCIAL - XXXX Account Number XXXX XXXX Responsibility Individual Account Status XXXX Closed Balance XXXX {$0.00} Remarks XXXX DISPUTE RESOLVED CONSUMER DISAGREES Type Finance Open Date XXXX Last Activity XXXX XXXX XXXX Highest Balance XXXX Amount Past Due {$33000.00} XXXX Monthly Payment XXXX Current Payment Status XXXX AsAgreed Term Source Type Provided Months Reviewed XXXX High Credit XXXX XXXX Times XX/XX/XXXX Days Late XXXX In reviewing my credit report, I discovered a late payment entry for account ALLY FINANCIAL for XXXX, XXXX. As I possess no evidence of such a late payment, I urge you to consider the implications of XXXX XXXX XXXX of TILA.Court cases such as XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) reinforce your responsibility to amend this record if no substantiating evidence can be provided.The required update is to " paid as agreed, never late. '' Your immediate attention to comply with legal standards is expected. 
I want to bring to your attention Date of Last Activity ( XXXX ) reporting XXXX. I believe that this account is not compliant with the standards and its reporting ability. As you know, compliance with regulatory mandates such as those set out by federal or state governments are essential for accurate credit card transactions? Prove to me how your information was able meet these high expectations by providing documents which prove otherwise!? 
Page 1 of 4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX DOB : XX/XX/XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX, MI XXXX Viewing Months Reviewed ( - ) demonstrating XXXX. You are deficient in your ability to report accurately if you can not prove compliance with federal and state regulations! I am looking for evidence that this account is compliant. 
Show me how exactly it meets all the requirements of current regulation? 
When I scrutinized Loan Type presenting Automobile I am writing to ask for an explanation of why your account appears inaccurate or inconsistent with established reporting standards at CDIA. There seems to be some discrepancies and I would like them resolved immediately! 
I was looking at High Balance ( XXXX ) expressing {$33000.00}. This is a formal complaint about the content of my report. It has come to my attention that you failed in following standard procedures for accuracy, and as such I question its validity if not fixed immediately. 
Upon inspecting Date Reported ( - ) exhibiting XXXX. The data you reported doesn't meet the requirements! 
It's not accurate because it deviates from what is required. As I know, You must always report all fields in compliance with XXXX XXXX standards and there can be no deviations from these rules so please correct this account right away before I am financially impacted by this incomplete, unverified and inaccurate information Lets examine Dispute Status showing XXXX XXXX XXXX requires that all reported information be accurate and up-to-date. It's clear there have been some errors in this account, which calls into question the integrity of everything else reported on here! 
I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, you and the data furnishers must certify all aspects of the required FCRA and XXXX XXXX compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. 
In appreciation XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Company response to consumer: Closed with explanation