Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
I am submitting this response and creating a new case because the previous case XXXX was closed without properly resolving the issue. I respectfully request that this matter be reviewed again because the Ally Financial account appearing on my credit file does not belong to me. I do not recognize this account, I did not authorize it, and I did not enter into any agreement with Ally Financial for the account that is being reported. Because I do not own this account, I filed an identity theft report and a complaint with the Federal Trade Commission ( FTC ). The presence of this account on my credit file is the direct result of identity theft and fraudulent activity. The response provided previously by Ally Financial did not address the fundamental issue that I raised in my dispute. The core issue is ownership of the account. I am disputing this account because it is not mine. I never opened this account, I never applied for financing with Ally Financial for the vehicle referenced in your response, and I never authorized any transaction associated with this account. Therefore, the continued reporting of this account is inaccurate and harmful. In your response, you referenced a retail installment contract allegedly signed in XX/XX/XXXX for the purchase of a XXXX XXXX XXXX financed for {$18000.00} with an APR of 11.89 % and 75 monthly payments of {$340.00}. XXXX XXXX Response CFPB XXXX However, the existence of a contract does not establish that I personally authorized or executed that agreement. Identity theft frequently involves fraudulent contracts created using stolen personal information. Simply presenting a contract does not prove that I knowingly signed or authorized the agreement. Because of this, I filed a formal identity theft report with the Federal Trade Commission. Filing an FTC identity theft report is a serious step that consumers take when their personal information has been used fraudulently. My FTC identity theft report clearly states that I do not recognize this Ally Financial account and that it was opened without my authorization. Under federal law, including the Fair Credit Reporting Act ( FCRA ) and identity theft provisions within federal consumer protection statutes, creditors and credit reporting agencies must investigate identity theft claims carefully and must not continue reporting accounts that are the result of identity theft. The response provided by Ally Financial indicates that you believe the account was handled according to the terms of a contract and that the information being reported is accurate. However, that conclusion appears to be based solely on internal records and does not appear to consider the identity theft documentation that I submitted. An internal review of your records does not establish that the account legitimately belongs to me. Identity theft cases require more than simply confirming that an account exists in a company database. A proper investigation must determine whether the account was actually opened by the consumer whose name appears on the account. This includes verifying signatures, verifying the identity of the person who applied for the financing, verifying the documents used to approve the loan, and determining whether the application may have been submitted fraudulently. Because I do not own this account, I can not be held responsible for it and it should not appear on my credit report. Continuing to report this account despite my identity theft report is causing significant harm to my credit profile. The account is being reported as derogatory and charged off, which negatively affects my credit score and my ability to obtain credit, housing, and financial opportunities. According to the documentation provided in your response, the account was allegedly charged off on XX/XX/XXXX with a balance of {$12000.00} after missed payments. XXXX XXXX Response CFPB XXXX If this account was opened fraudulently, then the reporting of a charge-off is inaccurate because I never agreed to the loan and never assumed responsibility for the debt. The presence of fraudulent accounts on a credit report can have severe consequences for consumers. Credit reports are used by lenders, employers, landlords, insurance companies, and other entities to make decisions about a persons financial reliability. When an account that does not belong to a consumer appears on their credit report, it can lead to higher interest rates, denial of credit, denial of housing opportunities, and other financial harm. That is exactly why the Fair Credit Reporting Act requires that credit reporting agencies and data furnishers maintain procedures to ensure maximum possible accuracy. When a consumer disputes an account and submits an identity theft report, the furnisher must conduct a meaningful investigation and determine whether the account truly belongs to that consumer. In this case, my dispute was not properly resolved. Instead, the account continues to be reported even though I have clearly stated that it is the result of identity theft. The response I received states that your investigation is ongoing, which further indicates that the matter has not been fully resolved. XXXX XXXX Response CFPB XXXX If the investigation is still ongoing, then it would be inappropriate to continue reporting the account as though it has already been verified as accurate. Another important issue is that identity theft victims often do not discover fraudulent accounts until long after they were opened. Fraudsters frequently use stolen identities to open accounts, make purchases, and then abandon the accounts when payments are due. The legitimate consumer is then left dealing with the consequences of accounts that they never opened. That is precisely the situation I am facing. I became aware of this account only after reviewing my credit report and discovering that Ally Financial was reporting a derogatory account that I did not recognize. Once I discovered the account, I immediately took steps to dispute it and protect myself from further harm by filing an identity theft report. My dispute is straightforward. I do not own this account. I did not apply for financing with Ally Financial. I did not purchase the vehicle referenced in your documentation. I did not sign any contract related to this loan. Therefore, the account should not be reported on my credit report. The previous case was closed without resolving this issue, which is why I am now submitting this new case. Closing a case does not resolve the underlying problem if the inaccurate account continues to appear on my credit file. The only proper resolution is the removal of the account from my credit report. In addition, the continued reporting of this account raises concerns about compliance with federal consumer protection laws. The Fair Credit Reporting Act requires furnishers to investigate disputes thoroughly and to correct inaccurate information. When a consumer provides documentation indicating that an account may be fraudulent, the furnisher must carefully evaluate that evidence. Simply stating that internal records show the account was opened is not sufficient to resolve an identity theft dispute. Fraudsters often use stolen personal information to open accounts, which means the account may appear legitimate in internal records even though it was opened without the consumers knowledge or consent. Because of this, I am requesting that Ally Financial conduct a full fraud investigation into this account and verify whether the account was truly opened and authorized by me. This investigation should include verifying the identity of the person who applied for the loan, reviewing the application documents, reviewing the signature on the contract, and confirming whether the application process involved any indicators of identity theft. If Ally Financial can not conclusively prove that I personally opened and authorized this account, then the account should be removed from my credit report immediately. I am also requesting that Ally Financial provide documentation that clearly proves I opened this account. This includes, but is not limited to : A signed contract bearing my verified signature Copies of the original loan application Identification documents used during the application process Proof of the address used at the time of the application Documentation verifying the identity of the person who took possession of the vehicle Without this documentation, it can not be reasonably concluded that the account belongs to me. Furthermore, if identity theft occurred, then Ally Financial should work with the credit reporting agencies to remove the account from my credit report. Identity theft victims should not be forced to bear the burden of fraudulent accounts that were opened without their knowledge. Because I do not own this account and because I have filed an FTC identity theft report, I am formally requesting that Ally Financial take the following actions : First, immediately stop reporting this account to all credit reporting agencies. Second, notify all credit bureaus that the account is disputed as identity theft and request deletion of the tradeline. Third, provide written confirmation that the account has been removed from my credit report. Fourth, provide documentation verifying the results of your fraud investigation. I want to emphasize that I am acting in good faith and simply requesting that inaccurate information be removed from my credit file. I am not responsible for this account and should not be penalized for fraudulent activity carried out by someone else. Consumers have the right to accurate credit reporting, and identity theft victims have the right to have fraudulent accounts removed from their credit reports. I am requesting that Ally Financial respect these rights and correct this issue promptly. In conclusion, I am creating this new case because the previous case XXXX was closed without resolving the dispute. I do not own this Ally Financial account. I filed an FTC identity theft report because my personal information was used fraudulently. I am requesting that this account be removed from my credit report and that Ally Financial conduct a proper fraud investigation to determine how this account was opened. I respectfully request a written response confirming the removal of this account and the resolution of this dispute.

Company response to consumer: Closed with explanation