Date Received: 2023-01-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I Seen these inquires on my account and will like for them to be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31210
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX I applied for a car loan and had XXXX companies run a credit check on my report. This was not a problem as I approved it. However, after securing a loan the same day, I have not given my approval for any further credit inquiries. On XX/XX/XXXX I received an alert on my XXXXXXXX XXXX XXXX that I had XXXX new inquiries on my credit, XXXX from Ally Financial, which was XXXX of the XXXX institutes that had previously already ran my credit on XXXX XXXX. So this was the second time they ran my credit and I did not approve it. I have not tried to apply for a loan since XXXX XXXX. The second inquiry from XX/XX/XXXX was from " XXXX XXXX XXXX XXXX '' and it happened around the same time as the Ally Financial inquiry. I made a phone call on XX/XX/XXXX to Ally Financial and they had absolutely no record of making this inquiry. They could not help me in anyway. Then I called XXXXXXXX XXXX XXXX to dispute these inquiries and they had to make an account for me because apparently they could not find me in the system. I had them freeze my credit so that nobody else can check my credit without me lifting the hold. Then I called XXXX, and they said I could not file for a dispute on these inquiries until I received a inquiry deletion letter from the creditors who ran my credit without authorization. So I called XXXX XXXX, assuming that was the institution that the abbreviations stood for. They also did not have anyone who could answer any of my questions and did not seem to know anything about the inquiry, like they didnt have records of it either. They instructed me to write an email to XXXX to request they dig into it and find out about my inquiry. I sent them an email on XX/XX/XXXX at XXXX XXXX XXXX XXXX and have yet to hear back from them. Today, XX/XX/XXXX, I have just received another alert from my XXXX XXXX stating I had yet again another hard inquiry on my credit by XXXX XXXX XXXX XXXX. I did not approve this inquiry either. I don't know what to do from here. My credit keeps taking hard hits and I can't do anything to stop it and no one seems to know anything about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have furnished ALLY FINANCIAL with multiple notices of my consumer right to rescind according to truth in lending act ( TILA ) and the Code of Federal Regulations ) ( CFR ) to the businesses listed addresses as well as multiple complaints filed through the CFPB which still hasnt gotten ALLY FINANCIAL to honor and initiate the rescission process. As stated above in the effects of rescission, within XXXX calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest. The 20 day time period thats lawfully granted to you has been tremendously overdue as I sent the first notice out XXXX months ago. I was never given a right to rescind which is required by law to be furnished to the consumer and if not provided that in a timely manner or at all, could void the entire contract which in this case voids the entire contract. I demand the title of the vehicle to be mailed to address listed above being that the car included in the contract is MY PRINCIPLE PLACE OF DWELLING. I demand ANY and ALL funds associated with this transaction that I as the consumer, under duress provided to the financial agency which is clearly unlawful due to the fact that ALLY FINANCIAL purchased and obtained my consumer information illegally. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 LAST NOTICE OF RIGHT OF RESCISSION 12 CFR Part 1026 ( Regulation Z ) 1026.23 ( a ) Right of rescission and ( 1 ) Consumers right of rescind Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests and multiple recorded phone calls, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer who has sued Equifax in the past and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. According to Consumer laws and regulations, 12 CFR Part 1026 ( Regulation Z ) 1026.23 ( a ) Right of rescission and ( 1 ) Consumers right of rescind clearly states that : ( a ) ( 1 ) In a credit transaction in which a security interest is or will be retained or acquired in a consumer 's principal dwelling, each consumer whose ownership interest is or will be subject to the security interest shall have the right to rescind the transaction, except for transactions described in paragraph ( f ) of this section. For purposes of this section, the addition to an existing obligation of a security interest in a consumer 's principal dwelling is a transaction. The right of rescission applies only to the addition of the security interest and not the existing obligation. The creditor shall deliver the notice required by paragraph ( b ) of this section but need not deliver new material disclosures. Delivery of the required notice shall begin the rescission period. ( a ) ( 2 ) Consumers exercise of right. To exercise the right to rescind, the consumer shall notify the creditor of the rescission by mail, telegram or other means of written communication. Notice is considered given when mailed, when filed for telegraphic transmission or, if sent by other means, when delivered to the creditor 's designated place of business. ( a ) ( 3 ) ( i ) Rescission Period. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by paragraph ( b ) of this section, or delivery of all material disclosures, whichever occurs last. If the required notice or material disclosures are not delivered, the right to rescind shall expire 3 years after consummation, upon transfer of all of the consumer 's interest in the property, upon sale of the property, whichever occurs first. In the case of certain administrative proceedings, the rescission period shall be extended in accordance with section 125 ( f ) of the Act. ( a ) ( 3 ) ( ii ) For purposes of this paragraph ( a ) ( 3 ), the term material disclosures means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations referred to in 1026.32 ( c ) and ( d ) and 1026.43 ( g ). ( b ) ( 1 ) Notice of right to rescind. In a transaction subject to rescission, a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the XXXX XXXX ). The notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following : ( i ) The retention or acquisition of a security interest in the consumer 's principal dwelling. ( ii ) The consumer 's right to rescind the transaction. ( iii ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business. ( iv ) The effects of rescission, as described in paragraph ( d ) of this section. ( v ) The date the rescission period expires. ( XXXX ) Proper form of notice. To satisfy the disclosure requirements of paragraph ( b ) ( XXXX ) of this section, the creditor shall provide the appropriate model form in appendix H of this part or a substantially similar notice.. ( d ) Effects of rescission. ( XXXX ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void and the consumer shall not be liable for any amount, including any finance charge. ( XXXX ) Within XXXX calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: I attempted to deposited a XXXX check at Ally Bank in order to wire it my title company so I could purchase a house. Ally Bank 's website indicates that they hold checks of that amount for 5 days with graduated deposits. Meaning the first day you get XXXX dollars, the third day you get XXXX dollars and the 5th day you get the whole amount. In my situation none if this was followed. They received the check on XX/XX/XXXX and it is now XX/XX/XXXX and XXXX dollars have been deposited in my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46725
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX and XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I have late payments due but I continuously get multiple calls per day and messages left on my voice mails daily. I am constantly being harassed daily.
Company Response:
State: VA
Zip: 239XX
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX Hey I am authorizing a complaint on my behalf I cant believe you guys are taking advantage of me I am very upset the credit bureaus have not responded to me about my investigation I sent a letter/dispute I need these accounts deleted & updated these are the items I demand to be deleted. I demand these accounts be deleted immediately from my credit profile if not I will file for monetary damages because you are in violation of my rights of privacy. US code 15 USC 1681n. Unauthorized inquiries
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ally Financial is currently reporting " late payment '' status ' for the months of XXXXXXXX XXXX XXXX XXXX XXXX XXXX to XXXX, XXXX, and XXXX. This reporting is adversely affecting my livelihood, reputation, and creditworthiness. Ally Financial is in violation of : * The Heros Act ( Section110401 ) Negative Consumer credit reporting during the COVID-19 pandemic plus an additional 120 days to ensure innocent consumers effected by the significant economic harm of the COVID-19 Pandemic are held harmless and do not suffer further damage by having late or missed payments ruin their consumer credit report and reduce credit scores. *15 USC 1681a ( d ) ( 2 ) ( a ) ( i ) Exclusions ; transactions or experiences between the consumer and the person making the report are to be excluded from the consumer report whether or not they factually took place *15 USC 1666b ( a ) Timing of payments ; payments may not be treated as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20032
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX ALLY XXXX I XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89032
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: RE : INQUIRY REMOVAL While checking my recent credit report. I noticed unauthorized credit inquiries made by the following company : XXXX XX/XX/2021 ALLYFINANC XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give XXXX permission to furnish this information onto my credit report. This is a violation of the FCRA Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. Please validate this information with this company and provide me with copies of any documents associated with this account bearing my signature, authorizing an inquiry. I also demand of any such documentation bearing my signature, I formally requested that this unauthorized inquiry be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to produce the requested contract and to complete this investigation, As per the fair Credit Reporting Act Section 611.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34741
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: We had a problem with our previous bank with payments being returned and that caused Ally to not allow ACH payments. The last time this happened was XX/XX/2022- ever since then weve been making direct bill payments from our new bank XXXX since then with ZERO now all of sudden some analyst review has locked down our account from even making direct bill payments ludicrous - weve had zero issues with this. Yes we are behind, yes weve had a financial emergency that set us back {$15000.00} which was supposed to have been noted. So now they want us to have us spend more money to make payments?!?!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44012
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A