Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14353381
Complaint Overview
Complaint ID: 14353381
Company: Ally Financial INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Indiana
ZIP Code: 46143
Date Received: 2025-06-28T12:00:00-05:00
Date Sent to Company: 2025-06-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Formal Complaint Unauthorized or Inaccurate Credit Inquiries Reported by XXXX Dear CFPB, I am filing this formal complaint regarding multiple unauthorized and/or unverifiable hard inquiries appearing on my XXXX credit report dated XX/XX/XXXX. These inquiries were not initiated or expressly authorized by me, and they are negatively affecting my credit score. The following inquiries appear on my report without proper justification or permissible purpose under the Fair Credit Reporting Act ( 15 U.S. Code 1681b ) : XXXX XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA 1681b ( a ), a consumer reporting agency may only furnish a credit report under limited and specific circumstances. I did not authorize these inquiries in writing, nor did I initiate any applications for credit or services with these entities around the stated dates. As such, these entries may represent violations of my consumer rights, including : Lack of permissible purpose ( FCRA 1681b ) Failure of XXXX to properly verify or investigate ( FCRA 1681i ) Inaccurate reporting resulting in harm to my credit profile ( FCRA 1681e ( b ) ) I have already contacted XXXX and requested the permanent removal of these inquiries. I am now requesting that the CFPB investigate these potentially unlawful entries and hold both XXXX and the named companies accountable for any violations of federal consumer protection laws. Please confirm receipt of this complaint and inform me of any updates or actions taken. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #14353381 about?
Complaint #14353381 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 2025-06-28T12:00:00-05:00.
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.