Consumer complaint received 2026-07-05 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Nacogdoches, TX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Re : Formal Complaint AgainsXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and Ally Financial for Systemic Violations of the Fair Credit Reporting Act Complainant : XXXX XXXX To Whom It XXXX Concern : I am filing this formal complaint against all three nationwide consumer reporting agencies, XXXX XXXX XXXX XXXX and against the furnisher Ally Financial. For more than XXXX months I have disputed inaccurate information in my consumer files. The inaccuracies include incorrect names, incorrect addresses, incorrect phone numbers, late payment notations that are false, and accounts that do not belong to me. The bureaus have returned every dispute as verified. They have disregarded the documentation I provided. They have reinserted or retained information that the law required them to correct or delete. I am asking the XXXX to open an investigation into these practices. I. Inaccurate Personal Identifying Information My consumer files have contained names that are not my legal name, including the variation XXXX XXXX XXXX, XXXX with addresses and phone numbers that are not mine and have never been mine. I sent formal correction letters to Equifax and to TransUnion under XXXX XXXX. Section XXXX, together with a copy of my government issued identification. Copies of both letters are enclosed. Inaccurate identifying information is not a clerical matter. Mixed and inaccurate identifiers are a known driver of mixed file errors and are the pathway through which accounts belonging to other consumers, or opened by identity thieves, attach to an innocent consumer 's file. Section XXXX ( b ) requires the agencies to follow reasonable procedures to assure maximum possible accuracy. Retaining names, addresses, and phone numbers that I have disputed and disproven with documentation does not meet that standard. XXXX. Accounts That Do Not Belong to Me My files contain tradelines from XXXX, a brand of XXXX XXXX, account number XXXX, and from XXXX XXXX a brand of XXXX XXXX XXXX XXXX, account ending XXXX, reference number XXXX. These accounts are not mine. They are the product of identity theft connected to multiple documented data breaches in which my personal information, including my Social Security number, was exposed. I sent detailed FCRA dispute letters to both companies invoking Section XXXX furnisher duties and Section XXXX identity theft blocking. Copies of both letters are enclosed. Despite this documentation, the bureaus continue to report these accounts and continue to return my disputes as verified. XXXX. False Late Payment Reporting by Ally Financial Ally Financial, account number XXXX, has reported late payments on my account that did not occur. When I called Ally to verify my payment history, its representatives asked me to supply my own bank account information and payment confirmation numbers because they stated they could not locate those records in their system. A furnisher that can not locate the payment records when the consumer calls can not honestly certify those same payments as verified late when a bureau forwards a dispute. Ally representatives assured me by phone that the matter would be corrected. It was not. The notations remain on my reports and continue to suppress my XXXX XXXX. Under Section XXXX ( b ), a furnisher must conduct a reasonable investigation upon notice of a dispute. Federal courts, including in XXXX v. XXXX XXXX Bank and XXXX XXXX XXXX XXXX XXXX, have held that merely confirming the data already in the system is not a reasonable investigation. IV. Sham Reinvestigations by the XXXX XXXX FCRA gives the bureaus specific, measurable duties. Section XXXX ( a ) ( XXXX ) ( A ) requires a reasonable reinvestigation within 30 days, or 45 days when the consumer supplies additional information. Section XXXX ( a ) ( XXXX ) requires the bureau to forward the dispute and all relevant information to the furnisher within XXXX business days. Section XXXX ( a ) ( XXXX ) ( A ) requires prompt deletion of any information that is inaccurate, incomplete, or can not be verified. Section XXXX ( a ) ( XXXX ) entitles me to a description of the method of verification. Over the past XXXX months I have submitted disputes to all three bureaus repeatedly. Every dispute has come back verified, even where I supplied identification, identity theft documentation, and payment evidence. I have also called and spoken with multiple agents at the bureaus who assured me the information would be corrected, only for the same information to appear on the next report. This pattern indicates automated, superficial processing rather than the reasonable reinvestigation the statute requires. The XXXX itself warned in XXXX XXXX that consumer reporting agencies and furnishers XXXX not conduct sham investigations. XXXX XXXX Sided Reporting That Suppresses Positive Information I have also observed a consistent asymmetry in how my accounts are updated. I pay my balances down every month. High statement balances are reported quickly and depress my credit utilization ratio, which is widely reported to account for roughly XXXX percent of a XXXX score. Yet when my balances drop to low or zero amounts, those updates are not reflected in a timely manner when the statement cycle closes. The practical effect is that negative data points reach my file promptly while positive data points lag or never appear. Section XXXX ( b ) requires maximum possible accuracy, and accuracy includes completeness and timeliness. A file that systematically captures my high balances but not my paid down balances is not accurate. VI. XXXX Requested I respectfully request that the XXXX take the following actions. First, forward this complaint to XXXX XXXX XXXX and Ally Financial and require a substantive written response. Second, require the bureaus to delete all names, addresses, and phone numbers that are not mine and to correct my name to XXXX XXXX in all files. Third, require deletion of the XXXX and Speedy Cash tradelines under Section XXXX and Section XXXX ( a ) ( XXXX ) ( A ). Fourth, require Ally Financial to delete the disputed late payment notations or produce the documentary evidence supporting them, together with the method of verification used. Fifth, examine the reinvestigation procedures of all three bureaus in my case, including why XXXX months of disputes and documentation produced no correction. I note that credit and consumer reporting has been the single most complained about product category at the XXXX for several consecutive years, with the XXXX nationwide bureaus generating well over XXXX XXXX complaints annually in recent reporting periods. My experience is consistent with that documented pattern. I am enclosing copies of the dispute letters previously sent so the XXXX has the full record. I have retained certified mail documentation for my correspondence. I am prepared to provide credit reports, identification, and identity theft documentation upon request. Willful noncompliance with the FCRA carries statutory damages of XXXX to XXXX dollars per violation under Section XXXX, along with actual damages, punitive damages, and attorney fees, and negligent noncompliance carries liability under Section XXXX. I would prefer that this matter be resolved through correction rather than litigation. Thank you for your attention to this complaint. I look forward to the XXXX 's response. Respectfully submitted, XXXX XXXX Enclosures : XXXX. FCRA XXXX XXXX to XXXX XXXX XXXX XXXX, Account XXXX. XXXX. FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account ending XXXX, Reference XXXX. XXXX. Name Correction Letter to XXXX XXXXXXXX XXXX XXXX. XXXX. Name Correction Letter to XXXX XXXX XXXX. XXXX. Formal Dispute Letter to Ally Financial, Account XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation