Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12734457
Complaint Overview
Complaint ID: 12734457
Company: Ally Financial INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Florida
ZIP Code: 33161
Date Received: 2025-03-30T12:00:00-05:00
Date Sent to Company: 2025-03-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furniture but the late payments remain without proper validation or documentation. Under 15 USC 1681 S 2 A, furniture must report accurate information under 15 USC1681 I, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.
Frequently Asked Questions
What is Complaint #12734457 about?
Complaint #12734457 was filed against Ally Financial INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-03-30T12:00:00-05:00.
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 (Credit reporting or other personal consumer reports) 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.