Date Received: 2021-10-10
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 name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92225
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was involved in a motor vehicle accident on XX/XX/2021 that resulted in the total loss of my vehicle that was financed by Ally Financial Inc. My insurance company, XXXX XXXX provided a check for the full payoff amount of {$1300.00} to Ally and mailed it on XX/XX/2021. By XX/XX/2021 Ally began calling me sometimes 3-5 times a day pushing me to go to XXXX XXXX and electronically transfer them my regular monthly payment of {$170.00} plus approximately {$5.00} in late fees. I explained to them that XXXX confirmed someone at Ally Financial cashed the check on XX/XX/2021 and when I attempted to provide them with the check number they admitted they did in fact have the check information and they admitted to cashing the check but stated that they could not update my account because " their bank had not yet released the funds ''. This was per a conversation with them approximately 2 weeks after they had cashed the check. Once I found out that they did in fact have the check I told them that from now on they could speak with my lawyer who is currently representing me in my injury claim and provided them with my lawyer 's number. At that point my lawyer agreed to also send them a cease and desist letter that was sent on XX/XX/2021. However, now, when they call my lawyer and they find out who they are speaking with they immediately hang up and refuse to speak with them. As of today, Ally is now also calling my family members multiple times a day and asking them to contact me even though they know who they are supposed to speak with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95501
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I have attached Approved Court Class Action with Judgment order for remove from credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2021-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
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: In XX/XX/XXXX I filed a dispute of information on my Ally Auto account in collections through a credit bureau ( XXXX I believe ). I filed the dispute with a complaint of the late payments being inaccurate and that the loan was included as one in the class action suit that lead to a settlement for all affected loan consumers. I asked that the amount that Ally is supposed to pay be removed from the balance and for the late payments to be removed. I also asked stated that I didn't receive credit for the car that was repossessed being sold at auction. Instead, there were late payments added to an account that was charged off and has been closed, dormant and in collections for years. I called Ally and they said that they couldn't access the account and that I would receive a letter from the credit bureau explaining the changes ( I haven't ). I reached out to Vermont 's Attorney General 's office and they directed me here. I have since learned that the settlement agrees that any negative remarks are supposed to be removed in XXXX of XXXX and {$1300.00} of any balance will be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 056XX
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My credit was ran without my knowledge or consent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53223
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am not familiar with this account. I have contacted ALLY FINANCIAL concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX XXXX XXXX XXXX XXXX. ALLY FINANCIAL has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Getting a loan or lease
Subissue: Problem with a trade-in
Consumer Complaint: I purchased my XXXX XXXX XXXX XXXX in XX/XX/2018. I co-signed the vehicle for my husband, My husband got laid off right before the pandemic and we decided to possibly trade in the truck because we could not afford my car payment and the truck car payment. We took the truck to several dealerships for trade in and we were told that the XXXX XXXX was a XXXX Import and no car dealership would buy the truck from us because the truck holds no warranty value in the U.S. The dealership ( XXXX XXXX ) located at XXXX XXXX XXXX, XXXX, IL never told me that I was purchasing a XXXX Import and no dealership will accept a XXXX Import. I feel hoodwinked. When I contacted XXXX XXXX that just blew me off and told me it shouldn't be a problem. Now I'm constantly late on my payments, I have no other choice but to pay when I can or eventually will have to give the truck back to Ally that finances my car. I asked for my disclosure from XXXX XXXX and Ally and still no response. I would like to get out of this deal because I can't trade in the vehicle, I'm upside down in the loan, I constantly keep getting negative marks on my credit report because I'm late paying. Dealerships should inform customers when they purchase XXXX Import vehicles and educate the consumer on the outcomes/reprecussions when they get a car that was not purchased in the U.S.A
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60827
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: This account is being reported with repetitive CO marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I see repetitive 30 -60 days late marks which is a clear violation of my rights under the FCRA. I was never late on this account. What's the method used to verify this account? Please send me the documents that prove I was ever late.! Also, the date last active is inaccurate. All 3 dates should be the same.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Ally financial they willingly new this contract was fraud and continued to tarnish my name a Reputation. They also took XXXX from me on a consumer credit transaction which shall be the sum of all charges and not comparable to a cash transaction. 15usc1605 4109.81 is owed back to me for my back payments I've made to you guys 15usc 1692 h Plus my XXXX deposit Plus the serveal violation I've marked as exhibits thatsowed to me asap. XXXX in violations from statements I'm demanding my title and lien for free and all payments owed to me. There's a cease and desist on this account you guys will also be receiving my affidavit oftruth and a invoice certified mail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85021
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A