Date Received: 2022-07-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. ALLY FINCL XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79701
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account is reporting delinquent for two months of XXXX and XXXX of XXXX both months were paid on time I believe. This amount is claimed to be late because they had added extra charges and I continued to pay regular payments without realizing that they had added extra charges. Once I was able to make contact the payment was made. I don't believe that this should be counted as a late payment. This is affecting my ability to make other purchases. However, Even if this information is not good enough to remove the delinquents. This is also a time when my entire business was shut down due to the pandemic. I think that since I was never late with this company and taking into account that the country was in a pandemic I believe I should be able to have these removed. I have made contact and have had no success.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 316XX
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Company ignored multiple issues and left them unresolved from my last complaint. I want a human to review my complaint and research my issues, not a computer. I am trying to avoid having to file a lawsuit over inaccurate information that violates my FCRA consumer rights. My issues are numbered here, because I expect XXXX to address each and every item on this list of issues. Not just pick and choose what it wants to address and ignore all the other fallacies. # 1. There are incorrect remarks on my XXXX XXXX revolving accounts ending in XXXX and XXXX, as well as my XXXX XXXX auto loan. All three of these accounts have the remarks 'account previously in dispute. ' That is a lie. I never disputed those accounts. # 2. XXXX XXXX is NOT correct, so long as only years with negative payment data are reporting. You are not allowed by law to only report negative payment history and not report the positive payment history. So I want my complete payment history reported from XXXX XXXX, or no payment history reported at all. I had that card for XXXX years, and you're only reporting the XXXX years where there was negative information. That is wrong. That is a FCRA violation, and you are obligated by law to fix it. # 3. My XXXX XXXX Credit Card has none of my flawless payment history reported. # 4. One again, another instance of only reporting negative payment data and no positive payment data. I had years and years and years of flawless payment history with Ally Financial. Yet, you are only showing ONE payment late for 60 days and no positive payment data. You can not do that. That has a false negative impact on my credit score when calculating the ratio of my on time payments. You must report the entire payment history reflecting all positive payment data, or no payment history at all. You CAN NOT only report the negative payments and refuse to report the on time payments for an account.It is highly unethical to only report negative payment information in the absence of the positive information. XXXX, I had nothing but on time payments with them and none of them are showing up. If they don't have a reliable enough account of my payment history involving on time payments than they have no business reporting late payments if they are so unsure of my payment history. I want the positive payment history reported for these accounts, or to have all negative payments removed and no payment history reported at all. There are many accounts, such as my XXXX and XXXX installment accounts, that you are not reporting my flawless payment history. You have picked and chosen accounts that only have negative payment histories to report with the exception of my currently open accounts. That is unlawful, unethical, and you must stop doing that. # 5. The issue of deleting my entire credit file and having my score bounce from the 600s, down to 0, up to the 400s, back to the 600s through absolutely no fault of my own causing me to do denied for housing needs to be addressed. How about an apology for what you put me through? How about taking some responsibility? How about letting me know what steps are being taken to ensure this never happens again? Lastly, why are you allowing companies like ALLY FINANCIAL and XXXX XXXX XXXX to be so spiteful and only report derogatory information on my accounts in complete absence of the years and years and years worth of flawless payment history I had with the both of them? Given that all of these companies have been notified that after this negative information occurred I was XXXX discharged with XXXX XXXX XXXX XXXX as a combat woundedXXXX XXXX XXXX XXXX XXXXXXXX veteran? If they were ethical they wouldn't be reporting adverse credit file information about me at all. But to take the extra, extremely, unethical and illegal step to ONLY report adverse credit file information in the complete absence of the years of faithful on time payment history is nothing short of alarming and violates my federal consumer rights. You're welcome for protecting and serving all of you. Thank you for showing me how much that means to you, as you sit in your comfy offices without the XXXX XXXX I live with each and every day. You're welcome. CFPB, do not forward this complaint outside your organization. This is exactly the kind of complaint you are in charge of, evidenced by the drop down boxes saying so, and I do not want my complaint forwarded to another agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89107
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In accordance with the fair credit reporting act Ally Financial have violated my rights as a consumer. The rights that have been violated are as follows : 15 USC 1681 sec. 602a states that I have the right to privacy 15 USC 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1681 section 604a section 2 states that a credit reporting agency can not furnish an account without my written instructions Furthermore, as a victim of identity theft anything that I did not do is to be stricken from my credit report or I have the right to sue in state and federal court. I already have a lawyer and litigation will follow promptly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72019
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act Ally Financial, have violated my rights as a consumer. The rights that have been violated are as follows : 15 USC 1681 sec. 602a states that I have the right to privacy 15 USC 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1681 section 604a section 2 states that a credit reporting agency can not furnish an account without my written instructions my rights have been violated and I want the negative items removed NOW
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72019
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have reached out to each merchant to have and account deletion letter to each reporting agency, I have done this over the phone and I writing and I have gotten no help and the run around after following all steps given by each credit bureau. Auto sales pre-qualification became hard inquiries
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21217
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My divorce decree states that my ex-wife took over the payments on a vehicle lease. She decided to stop paying the payments because she said she couldn't afford it and because the vehicle was originally registered in my name it's going on my credit report instead of hers. At the time of the divorce she had lost her job due to COVID so there was no way for her to refinance the vehicle into her name. Ally financial wouldn't let her do it. So now Ally has trashed my credit report. They won't do anything about it because they say it's a contract and it can't be broken. I guess a court document is irrelevant in this country now because they don't have any say over what corporations can do. And big corporations like Ally can just do what they want to do. This is just such a common sense issue I'm not sure why it matters to Ally who ultimately gets their credit report destroyed. It should be the person who is responsible which is my ex-wife not me. Ultimately we need to have legislation to force these companies to be accountable to the people rather than to themselves. The credit reporting bureau doesn't even explain it in my credit report so when someone reads it all it says is I've disputed it. And who even knows if someone that's reviewing my credit would even bother to review a note. The system is broken and needs to be overhauled
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: As of XX/XX/2022 at XXXX est. ALLY, ALLY FINANCIAL INC.has violated my consumer rights. Not only has a cease and desist letter been verified of being recieved by corporation or corporation agent via U.S postal mail service on XXXX XXXX. I requested documentation of debt validation, as well as other documentation that was never recieved. ALLY, ALLY FINANCIAL INC PROCEEDS TO VIOLATE MY RIGHTS UNDER THE FAIR DEBT COLLECTION PRACTICES AS WELL AS TILA FULL DISCLOSURES AND MUCH MORE. ALLY STATES THAT NO PAYMENTS HAS NOT BEEN RECIEVED SINCE XXXX OF XXXX XX/XX/2022 OR XX/XX/2022. XX/XX/2022 On a recorded line spoken with an agent to help with matters and make sure account status was accurate under the COVID CARES ACT. I was told that doesnt apply to them as well as they would provide a curtesy of account ending in and paperwork would be sent via mail to me. All payments sent to ALLY ALLY FINANCIAL INC. was sent via US Postal mail service certified with tracking and return slip. I was informed during the call that no payment was recieved and the informed we take XXXX XXXX XXXX XXXX etc or bank draft. I refuse to give them access to accounts. During this dispute I stop allowing them access to my account so once my cease and desist letter came about ALLY proceeded to restrict my account access causing stress and extortion of payment. According to 18 usc 894 is in deed in violation. As well as included I never gave consent to ALLY TO FURNISH A NEGATIVE REPORT ON credit reporting agencies as they have marked derogatory comments and fraud on all account status. This has cause me so much stress all because I requested documents of contract validation of debt. On XX/XX/2022 ALLY ALLY FINANCIAL HAS REPOSSESSED PROPERTY OF ( CONSUMER T ) and has stated that they repossessed due to non payment. I have proof that payment in fact sent and receive they continue violated my rights according to 18 USC 891/894 extortion of credit this has hit the ultimate stress and I will hold them criminally liable for violations as well as pain and suffering it has caused. ALLY FINANCIAL INC according to 15 USC 6802 violation of sharing my personal information with third parties As well as invasion of privacy 15 USC 1692 15 USC 1681 FAIR CREDIT REPORTING ACT RIGHT TO PRIVACY 15 USC 1691 EQUAL CREDIT OPPORTUNITY ACT DISCRIMINATION 12 CFR 226.23 RIGHTS TO RESCISSION 15 USC 1692 ( e ) FALSE AND MISLEADING DECEPTIVE PRACTICES
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44124
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX XXXX, Ally Financial, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, & XXXX 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28348
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/22, i initiated XXXX external transfers from my Ally account to a previously Ally authorized external account ( XXXX XXXX XXXX XXXX ). The first transfer posted and deducted money from Ally on XX/XX/22 and posted at XXXX. The XXXX transfer deducted on XX/XX/22 from my Ally account but has NOT posted at all at XXXX as of this complaint date XX/XX/22. The third transfer just fell out of Ally 's system as they suspended my external XXXX transfer account. Numerous calls lasting 30 mins - 2hrs with 30+ mins of hold included, have resulted in being told that Ally cancelled the XXXX transfer and suspended my XXXX account but still deducted the funds from my account. They claim to be researching and to be putting the funds in my account but have not done although they admit taking the funds and NOT transferring them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92127
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A