Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: ID

Complaint narrative:
ALLY 'S CONTRADICTORY RESPONSE TO CFPB COMPLAINT PROVES WILLFUL FCRA VIOLATIONS I filed CFPB complaint XXXX on XX/XX/XXXX, regarding Ally Financial 's false credit reporting after repossessing and selling my vehicle in XXXX. 

On XX/XX/XXXX, Ally responded to the CFPB. Their response PROVES they are knowingly furnishing false information while lying to the CFPB about " accurate reporting. '' XXXX XXXX XXXXXXXX - ALLY 'S OWN DOCUMENTS : Ally attached their own letter dated XX/XX/XXXX, titled " REVISED How We Calculated Your Surplus or Deficiency. '' This letter states clearly : - " However, you do not have to pay the remaining amount of {$9000.00} '' - " Amount of the deficiency that you must pay {$0.00} '' This is a binding waiver. I have owed XXXX XXXX  since XX/XX/XXXX. 

THE BLATANT CONTRADICTION : In the same XX/XX/XXXX CFPB response, Ally claims : - " We believe Ally is furnishing accurate and complete information '' - " We will not request the consumer credit reporting agencies remove this information '' BUT MY CREDIT REPORTS SHOW : - Balance owed : {$18000.00} to {$22000.00} - Status : Unresolved charge-off - NO indication of XX/XX/XXXX waiver - NO {$0.00} balance indication ALLY CAN NOT CLAIM BOTH ARE TRUE : 1. They waived my balance to {$0.00} on XX/XX/XXXX ( proven by their own letter ) 2. AND reporting $ XXXX {$22000.00} is " accurate and complete information '' These statements are mutually exclusive. One MUST be false. Ally is either lying about the waiver OR lying about furnishing accurate information. 

APPROXIMATELY 40 DISPUTES IGNORED OVER 5 YEARS : From XXXX through XXXX, I filed approximately 40 disputes with all three major credit bureaus ( XXXX XXXX XXXX ) regarding this account. Each time : - Credit bureaus forwarded my dispute to Ally per FCRA requirements- Ally " investigated '' and verified the FALSE balance - Ally had their own XX/XX/XXXX letter the entire time proving {$0.00} owed - Ally chose to verify $ XXXX {$22000.00} anyway This is willful violation of 15 U.S.C. 1681s-2 ( b ) - duty to investigate disputes and report accurate information. 

ALLY 'S " INVESTIGATION '' WAS A SHAM : Ally claims they investigated my disputes. But a proper investigation would have revealed : - Their own records showing XX/XX/XXXX waiver to {$0.00} - Their own letter sent to me confirming {$0.00} owed- The contradiction between {$0.00} owed and $ XXXX {$22000.00} reported Instead, Ally verified the false balance approximately 40 times despite having written proof of the correct balance. 

CONTINUED VIOLATIONS AFTER CFPB COMPLAINT : Even after I filed CFPB complaint XXXX documenting all of this : - Ally attached their XX/XX/XXXX waiver letter to their response ( admitting the waiver ) - Ally claimed they're furnishing " accurate information '' ( contradicting the waiver ) - Ally REFUSED to correct credit reporting to {$0.00} - Ally DENIED violating any laws - Ally REFUSED any compensation As of today 's date, my credit reports STILL show $ XXXX {$22000.00} owed with no indication of the XX/XX/XXXX waiver. 

THIS PROVES WILLFUL VIOLATIONS : Under 15 U.S.C. 1681n, " willful '' violations occur when a furnisher has actual knowledge of correct information but reports false information anyway. Ally : - Has written documentation of {$0.00} balance ( their own XX/XX/XXXX letter ) - Attached this proof to their CFPB response - Continues reporting $ XXXX {$22000.00} - Verified false information approximately 40 times - Refuses to correct even when caught by a FEDERAL REGULATOR! 

This meets every element of WILLFUL FCRA violations. 

ALLY LIED TO THE CFPB : Ally 's claim they are " furnishing accurate and complete information '' is provably FALSE : - Their attached document shows {$0.00} owed since XX/XX/XXXX - Credit reports show $ XXXX {$22000.00} owed as of XX/XX/XXXX - These can not both be " accurate '' This is not just FCRA violations- this is lying to a federal regulator about credit reporting practices. 

REAL-WORLD HARM CONTINUES : This false reporting has caused and continues to cause : - 5 months living in hotels in Washington ( XXXX $ XXXX {$21000.00} ) after repeated housing denials- Denied small business rental in Idaho ( approximately XXXX XXXX {$25000.00} lost opportunity ) - Multiple housing denials across multiple states - Denied credit, loans, employment opportunities ( approximately $ XXXX {$20000.00} ) - Severe emotional and financial distress for my family of XXXX - My spouse is a XXXX XXXX veteran ; we have XXXX children The harm continues daily as my credit still shows I " owe '' nearly {$20000.00} that Ally admitted in writing I DON'T owe! 


This is now the SECOND CFPB complaint against Ally Financial for the same willful conduct, proving : - Pattern of violations spanning XXXX years - Refusal to correct despite federal complaint - Lying to federal regulator about " accurate reporting '' - Systematic failure affecting likely thousands of consumers WHAT ALLY SHOULD HAVE DONE : After receiving CFPB complaint XXXX, Ally should have : 1. Acknowledged their XX/XX/XXXX waiver letter 2. Corrected all credit reporting to {$0.00} balance immediately 3. Compensated for documented harm 4. Apologized for 2.5+ years of false reporting Instead, they admitted the waiver while refusing to fix anything and denying wrongdoing.

I am also reporting this to : FTC, OCC, FDIC, Idaho Attorney General, Michigan Attorney General, Kansas Attorney General, Alabama Attorney General, and my congressional representatives. 

I request CFPB enforcement investigation, immediate correction of credit reporting, compensation for damages, and civil penalties for willful violations and false statements to federal regulator.

Company response to consumer: Closed with explanation