Payday loan, title loan, personal loan, or advance loan -- Incorrect information on your report -- Complaint #10572408
Complaint Overview
Complaint ID: 10572408
Company: Ally Financial INC.
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Installment loan
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: New Jersey
ZIP Code: 07105
Date Received: 2024-10-24T12:00:00-05:00
Date Sent to Company: 2024-10-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have never been late in paying any accounts, and I always pay on time and did not give written consent for the reporting of these late payments. The account with reported late payments on my credit report is inaccurate and does not reflect my actual payment history. Ally Financial 's reporting of this late payment violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, as they failed to ensure accurate reporting. I request immediate investigation and that the status be changed to " on time, '' reflecting my true payment history.
Frequently Asked Questions
What is Complaint #10572408 about?
Complaint #10572408 was filed against Ally Financial INC. regarding Payday loan, title loan, personal loan, or advance loan specifically about Incorrect information on your report. It was received by the CFPB on 2024-10-24T12:00:00-05:00.
How did Ally Financial INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Payday loan, title loan, personal loan, or advance loan) and describe your issue in detail.
Can I see other complaints against Ally Financial INC.?
Yes, visit the Ally Financial INC. company profile at readthecomplaint.com/company/ally-financial-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.