Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this formal follow-up complaint and demand for investigation against Experian, Ally Financial, and associated furnishers for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Despite multiple written disputes and documented requests for reinvestigation, these entities continue to report inaccurate, incomplete, and unverifiable information on my consumer credit file in violation of 15 U.S.C. 1681i, 1681s-2, 1681e ( b ), and 1692g ( b ).

1. Background and Prior Disputes On XX/XX/year>, I submitted formal written disputes to Experian identifying multiple accounts being reported with inaccurate, unverifiable, and inconsistent information. 
Under FCRA 1681i ( a ) ( 1 ) ( A ), this agency was legally required to perform a reasonable reinvestigation within 30 days. 

However, as of XX/XX/year>, the same disputed accounts continue to appear on my reports with no verification or documentation provided by the furnishers. 

This failure to conduct a lawful reinvestigation constitutes a willful and negligent violation of the FCRA and FDCPA. 

2. Accounts Previously Disputed and Still Reporting Inaccurately Creditor / Furnisher Account Number ( Last Four ) Violation Summary Ally Financial XXXX XXXX Still reported as charge-off. Ally Financial sent a settlement offer ( XXXX XXXX, 2025 ) but failed to validate the debt or provide a signed contract, permissible purpose, or 1099-C. 
XXXX XXXX XXXX XXXX * XXXX Continues reporting as collection despite no validation, no assignment proof, and no permissible purpose under 1681b. 
XXXX XXXX XXXX XXXX * XXXX Still reports as past due and charged off. No reinvestigation documentation provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inconsistent statuses ( Paid/Closed and XXXX ). No proof of delinquency or contractual agreement. 
XXXX / XXXX * XXXX Still reported as charge-off with inaccurate balance. No contract or chain of title provided. 
XXXX / XXXX * XXXX Still listed as charged off. No validation, signed agreement, or IRS 1099-C produced. 
XXXX XXXX XXXX XXXX Bank * XXXX Remains reported as charge-off despite closure and final payment confirmation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Still showing unverifiable late payments despite previous dispute and reinvestigation demand. 
3. Legal Violations Cited These actions collectively violate the following federal statutes : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation within 30 days.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known or reasonably believed to be inaccurate.

15 U.S.C. 1681s-2 ( b ) Failure of furnisher to investigate disputed information upon notice from CRA.

15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1692g ( b ) Failure to provide validation of debts after written request, while continuing to report.

15 U.S.C. 1681n & 1681o Civil liability for willful and negligent noncompliance with the FCRA.

By continuing to report disputed information without verification or proper documentation, these entities have demonstrated a pattern of willful disregard for federal consumer protection laws.

Company response to consumer: Closed with explanation