Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XX/XX/XXXX Ftc # XXXX Cfpb # Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX Dear XXXX XXXX XXXX, I am writing to dispute fraudulent accounts and inquiries on my credit report. I have filed both an FTC Identity Theft Complaint and a CFPB Complaint regarding this matter. I request the immediate removal of the fraudulent information detailed below from my credit report. 

Legal Basis for Removal : Under 15 U.S.C. 1681c-2, I am formally requesting the removal of the fraudulent accounts and inquiries, as I have been a victim of identity theft. This is my legal right to have inaccurate or unauthorized information blocked. 

From : XXXX XXXX To Whom It May Concern, I am writing to formally dispute the following accounts and collections, as I have no knowledge of them. 

XXXX XXXX I've had several accounts from this company, but this particular account does not belong to me. I am requesting its removal from my credit report, as I have never been late on any payments. 

Accounts Being Disputed : 1. XXXX XXXX  Account Number : XXXX Balance : {$2700.00} Date Opened : XX/XX/XXXXXXXX   This account does not belong to me, and I have never been late on any payments. I request its immediate removal. 


2. Fraudulent Collection Collection Agency : XXXX XXXX XXXX XXXXXXXX XXXX Balance Date : XX/XX/XXXXXXXX   Original Creditor : XXXX Account Number : XXXX Balance : {$510.00} I have no knowledge of this company or its claim. This account was not authorized and should be deleted from my report. 



Fraudulent Inquiries : The following inquiries were made without my consent. Someone used my personal information in an attempt to secure an auto loan. I request these inquiries be removed : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Ally Financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX : Ally Financial, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Thank you for your prompt attention to this matter. I look forward to the removal of these fraudulent accounts and inquiries from my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation