Consumer complaint received 2025-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am submitting this complaint as a fourth formal attempt to address an auto loan that was fraudulently opened in my name and is being wrongly reported on my credit by Ally Financial. Despite multiple previous complaints to the CFPB ( including Case Numbers : XXXX, XXXX, and XXXX ), Ally continues to ignore the core issue : this account was opened by my sister in my name without proper consent or knowledge, which constitutes identity fraud and a clear violation of federal consumer protection laws. 

Instead of investigating or addressing the fraudulent origin of the loan, Ally has responded to every complaint with copies of the payment breakdowns and the original contract, which do not resolve the matter. This is not a dispute about billing or payment historyit is about unauthorized use of my identity to take out a high-interest loan. 

Key Concerns : 1. Identity Fraud : I did not initiate or authorize this auto loan. It was opened by my sister using my name and information. This constitutes fraud under the Fair Credit Reporting Act ( FCRA ) and possibly criminal identity theft. Ally has been informed of this but has taken no steps to investigate or remove the loan.

2. Failure to Conduct Reasonable Investigation : Under 15 U.S. Code 1681s-2 ( b ), once a furnisher ( Ally ) is notified of a dispute through a consumer reporting agency, it is required to conduct a reasonable investigation. Ally has not done this. Their repeated responses have failed to address the fraud claim and merely include irrelevant documentation. 
3. Harmful Credit Reporting : Despite being informed this account was fraudulently opened, Ally continues to report it as valid. It is impacting my credit with multiple missed payments, derogatory marks, and a high loan balance, all of which I am not responsible for. This is a direct violation of my rights under the FCRA and the Consumer Financial Protection Act ( CFPA ).

4. Deceptive and Unfair Practices : The companys refusal to review or correct its reporting practices may also violate the Dodd-Frank Acts prohibition on unfair, deceptive, or abusive acts or practices ( UDAAPs ). 

Requested Resolution : Immediate removal of the auto loan account from all credit reporting agencies ( XXXX XXXX XXXX and XXXX ). 
Correction of all negative reporting, including late or missed payments associated with this account. 
A formal investigation into how this account was opened, including dealership conduct and whether proper identity verification was completed. 
Written confirmation that this account has been removed from my credit file. 

I have exhausted all internal dispute avenues and Ally continues to willfully ignore the central issue of fraud. I am asking the CFPB to intervene and enforce my rights under federal consumer law. I am also exploring additional legal remedies if this is not resolved promptly. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation