Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Demand for Chain of Assignment and Account-Level Documentation Under FCRA Account Number : ALLY XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to formally request the full chain of assignment and all account-level documentation pertaining to the above-referenced account, which ALLY XXXXXXXX XXXX XXXX XXXX XXXX  is currently reporting on my credit file as a collection or derogatory account with a balance of {$5900.00}, and a last payment reported on XX/XX/XXXX. 

This demand is made in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) and 1681g ( a ) ( 1 ). These statutes entitle me to dispute the accuracy of information on my credit report and request documentation supporting that information, including its sources. As a furnisher of credit data, ALLY is required to report only complete, accurate, and verifiable information, per 15 U.S.C. 1681s-2 ( b ) and as interpreted in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

To date, I have not received adequate documentation verifying the legitimacy of this account. Therefore, I am requesting the following : The complete chain of assignment showing how this account originated and, if applicable, was transferred or sold. 

A copy of the original signed agreement or contract establishing the debt. 

A full and itemized transaction history showing how the balance of {$5900.00} was calculated. 

Any notices of assignment or transfer of ownership, if the account changed hands. 

Any other documentation that substantiates the accounts current status, balance, and historyparticularly verifying the last payment date of XX/XX/XXXX. 

Demand for Documentation : I expect a complete response with the requested documentation within 30 days of receipt of this letter. If the information can not be substantiated, this account must be immediately removed from all consumer credit reports. 

Legal Notice : Failure to provide this documentation may result in violations of the FCRA, exposing ALLY to statutory damages ( up to {$1000.00} per violation ), actual and punitive damages, and attorneys fees under 15 U.S.C. 1681n and 1681o. Furthermore, continuing to report an unverified or inaccurate account may also violate the Fair Debt Collection Practices Act ( FDCPA ), under 15 U.S.C. 1692e, which prohibits any false, deceptive, or misleading representations related to debt collection. See XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Preservation of Evidence : ALLY is hereby instructed to preserve all records, internal notes, communications, and electronic files related to this account. Any modification or deletion of relevant evidence may be considered spoliation and result in legal sanctions. 

Please direct all responses and documentation to the address listed above. If ALLY fails to comply with this demand, I am prepared to pursue legal action to protect and enforce my rights under federal and state law. 

Govern yourselves accordingly.

Company response to consumer: Closed with explanation