Date Received: 2023-07-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are inquiries and addresses on my credit report that I did not authorize : 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX 10. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX 11. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX -The following account is not mine nbsp ; XXXX Account Number : Please remove it from my credit report. 15. The following account is not mine XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 16. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX 17. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX UNIT XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one I would like it removed immediately. 20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one I would like it removed immediately. 21. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one I would like it removed immediately. 22. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one I would like it removed immediately. 23. The inquiry was not authorized XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one I would like it removed immediately. 24. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one I would like it removed immediately. 25. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX different hard credit inquiries have been submitted by an unknown person and without my authorization. The first one was submitted in XX/XX/XXXX by a company named XXXX XXXX. XXXX XXXX XXXX XXXX, Georgia XXXX ( XXXX ) XXXX A second hard credit inquiry was made in XX/XX/XXXX by Ally Financial XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I have not apply for any loans, credit cards, or have authorized any credit inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: i co signed on a truck loan with ally financial. we paid it off and have been waiting on them to send the title. we keep getting calls saying we still owe them, and my credit is being destroyed. it has dropped XXXX points since XX/XX/2023. we had put a complaint in about the title and still have not received it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32504
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently reviewed a copy of my credit report and I noticed the following hard inquiries. I never filled out an application for credit and upon doing my research I noticed that this is a violation of the Fair Credit Reporting Act. This Act states that the only reason to pull an individual 's credit is for the following reasons : 1. A firm offer of credit 2. Insurance 3. Application for employment 4. A Court Order The following hard inquiries are not related to any of the following, I have never given these companies permission to use or have my personal information. If you refuse to remove these hard inquiries, I will move forward and ask for legal verification which would include ; the name and title of the person who pulled my credit, date they purport that I gave permission to have my credit pulled, the method they purport that I gave permission to run my credit. Please include documentation of said permission. If you can not provide me with this information, remove these incorrect hard inquiries from my credit file as soon as possible. I have attached my police report to this dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35020
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: ALLY Mastercard is sending me offers to sign up for a credit card about every XXXX weeks for about XXXXyear. Why are they hounding/harassing me with these offers every XXXX weeks for about a year. WHO is giving ALLY my address? With identity theft, I do not want or ask ALLY for a sending me these constant offers every XXXX weeks. I want it STOPPED.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97217
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I'm checking my credit report and see that it is a loan from ally financial on my report. I see that it is paid and closed but i did not authorize any one to use my name or credit to purchase a vehicle. I am trying to get this solved but i am getting no where. I am being told that it is accurate and verified due to having my signature and license but that can not be true. I have tried to work with your company since founding out about this loan to no success. I am a victim of identity theft and do have a police report and ftc report regarding this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I have enrolled in XXXX a nonprofit debt counseling program, to help me restructure my credit card debt, as I have fallen on hard times. I was trying to avoid XXXX XXXX bankruptcy. XXXX sends a monthly payment to this creditor, who accepts it, but keeps charging me late fees and over limit fees. They have also reported my account as delinquent with the XXXX reporting bureaus. XXXX has been trying to work with the creditor to remove the default from my credit reports, to reduce the interest rates, and to accept a lower monthly payment, so I can avoid filing for XXXX XXXX. Instead this creditor is trying to hold my hostage, but charging late fees/overlimit fees/sky high interest rates and strong arming be my reporting I am default/late payments/ when I enrolled in XXXX when there were no late payments or default on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Had an XXXX credit card which was recently bought out by ALLY, noticed the payments went from {$210.00} due a month XXXX for XXXX based on balance of {$5700.00} at XXXX XXXX with interest fee of {$1500.00}. THEN, in XXXX when ALLY sent a bill with {$310.00} due for month based on balance of {$8400.00} with interest fee of {$220.00} and balance on bill shows {$5700.00}? That is {$2600.00} over balance? When I called she said " it's was due to transfer but he would send to credit office to report back. First of all I never wanted an Ally credit card. Now I feel like they are doing something totally unethical. How do I transfer my balance to another credit card?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have filed a dispute in regards to some accounts on my credit profile not being XXXX compliant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Theses inquiries are not authorized by me and they should be removed immediately because this could be fraud and identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A