Consumer complaint received 2025-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Financial Subject : Formal Dispute and Demand for Correction of Inaccurate Late Payment Reporting Dear Ally Financial, I am writing to formally dispute the inaccurate reporting of late payments on my account ( Account Number : XXXX ), as reflected on my credit report. Despite the account being closed and marked " Paid in Full '' as of XX/XX/XXXX, your company has reported late payments inconsistently and erroneously for the years XXXX and XXXX. 

XXXX XXXX with XXXX XXXX : No late payments were made, as evidenced by my payment ledger. This is consistent with my records and contradicts any implication of delinquency. 
XXXX : Multiple monthsXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX incorrectly reported as 30 days late. These reports are false and fail to reflect the actual payment history. 
This is a direct violation of my rights under federal law regarding accurate and complete reporting. 
Applicable Violations Failure to Ensure Maximum Accuracy FCRA 607 ( b ) : Furnishers of information are required to ensure the maximum accuracy of the data they report. These repeated inaccuracies reflect a failure to comply with this standard. 
Failure to Correct Inaccurate Information FCRA 611 ( a ) ( 5 ) ( A ) : Once a dispute is filed, inaccurate or incomplete information must be promptly corrected or deleted. Reporting late payments after disputes without proper correction is unlawful. 
Continuing to Report Inaccurate Late Payments FCRA 623 ( a ) ( 2 ) : It is unlawful to continue reporting inaccurate late payments without updating them after a dispute. This directly applies to your reporting for XXXX. 
Re-reporting Disputed Late Payments FCRA 611 ( d ) : Re-reporting of disputed late payments without proper certification of accuracy is prohibited under the FCRA. 
Demand for Immediate Resolution Correct the Reporting : Update the payment history for XXXX and XXXX to reflect the accurate payment ledger and remove all false late payment entries. 
Provide Written Confirmation : Send me written confirmation of these corrections once the updates are made. 
Prevent Future Errors : Implement procedures to ensure that my credit information is reported accurately and consistently across all credit bureaus. 
Notice of Legal Action Failure to address these inaccuracies promptly will leave me no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Additionally, I reserve the right to pursue legal remedies for damages caused by the false reporting of late payments, which have harmed my financial standing. 

I expect a written response and resolution to this dispute within 30 days of receipt of this letter, as required under the Fair Credit Reporting Act ( FCRA ). Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation