Consumer complaint received 2025-09-04 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: PA

Complaint narrative:
Company/Respondent ( s ) 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 XXXX XXXX Ally Financial , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX Complaint Summary : I am filing this complaint against the above-named respondents for their willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and, where applicable, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Details of the Complaint : Inaccurate Reporting by Ally Financial , Inc. 

Ally Financial is reporting derogatory information ( Account XXXX XXXX  ) as potentially negative, including alleged late payments and delinquencies. 

I formally disputed these inaccuracies directly with Ally and with the CRAs. 

Ally has failed to provide documented evidence such as signed contracts, complete payment histories, or admissible records to substantiate its claims. 

Inaccurate & Misleading Reporting by XXXX XXXX  is furnishing negative tradeline information that is inaccurate and unverifiable. 

Despite my disputes, XXXX  has failed to provide proper validation or evidence supporting its claims. 

Inaccurate Reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a debt collector, is reporting derogatory information without producing validation of debt as required under 15 U.S.C. 1692g ( b ) of the FDCPA. 

This constitutes false, misleading, and unfair reporting in violation of federal law. 

Failure of XXXX XXXX XXXX XXXX to Ensure Accuracy The CRAs continue to report derogatory indicators such as serious delinquency, bad payment history, and multiple derogatory indicators without providing supporting evidence.

This violates 15 U.S.C. 1681e ( b ), which requires CRAs to ensure maximum possible accuracy. 

Failure to Properly Reinvestigate Under 15 U.S.C. 1681i ( a ), all CRAs are required to conduct a reasonable reinvestigation of disputed information. Instead, they have engaged in superficial verification, merely parroting the furnishers responses without meaningful investigation. 

Furnishers ( Ally, XXXX XXXXXXXX XXXX ) have likewise failed their duties under 15 U.S.C. 1681s-2 ( b ) to investigate, correct, or delete inaccurate information. 

Failure to Provide Method of Verification I requested the Method of Verification pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). None of the CRAs or furnishers have provided the identity of the individuals/departments who verified the information or the supporting documentation used.

Relief Requested : I demand that the CFPB/FTC compel the above respondents to : Delete all inaccurate, unverifiable, and misleading derogatory information from my credit reports. 

Provide the full Method of Verification and copies of all records relied upon in verifying disputed accounts. 

Ensure compliance with FCRA and FDCPA requirements going forward. 

Legal Violations Cited : FCRA 15 U.S.C. 1681e ( b ) ( accuracy requirement ) FCRA 15 U.S.C. 1681i ( a ) ( duty to reinvestigate ) FCRA 15 U.S.C. 1681c ( reporting of obsolete information, if applicable ) FCRA 15 U.S.C. 1681s-2 ( b ) ( furnishers duty to investigate ) FDCPA 15 U.S.C. 1692e & 1692f ( false, misleading, and unfair collection activity ) FDCPA 15 U.S.C. 1692g ( b ) ( failure to validate debt upon dispute, applicable to XXXX XXXX XXXX )

Company response to consumer: Closed with explanation