Debt collection -- Attempts to collect debt not owed -- Complaint #4693719
Complaint Overview
Complaint ID: 4693719
Company: Ally Financial INC.
Product: Debt collection
Sub-Product: Auto debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Texas
ZIP Code: 76544
Date Received: 2021-09-04T12:00:00-05:00
Date Sent to Company: 2021-09-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I would like ALLY FINCL to show proof of verification that I owe them {$3900.00} with the account above. To my knowledge, this account has been paid. ALLY FINCL is reporting inaccurate information on my credit report. I felt the item was not being reported legally. A couple of days ago I received a a letter stating that your investigation was complete. 1. What certified documents were reviewed to conclude your investigation? 2. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA : Please answer the following questions : a. Who did you speak with? b. What was the date? c. How long was the conversation? d. What was their position? e. What number did you call? f. What is the name of your employee that spoke directly to the creditor? g. What is the position of your employee that spoke to the creditor?
Frequently Asked Questions
What is Complaint #4693719 about?
Complaint #4693719 was filed against Ally Financial INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-09-04T12:00:00-05:00.
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 (Debt collection) 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.