Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4792924
Complaint Overview
Complaint ID: 4792924
Company: Ally Financial INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Vermont
ZIP Code: 056XX
Date Received: 2021-10-08T12:00:00-05:00
Date Sent to Company: 2021-10-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/XXXX I filed a dispute of information on my Ally Auto account in collections through a credit bureau ( XXXX I believe ). I filed the dispute with a complaint of the late payments being inaccurate and that the loan was included as one in the class action suit that lead to a settlement for all affected loan consumers. I asked that the amount that Ally is supposed to pay be removed from the balance and for the late payments to be removed. I also asked stated that I didn't receive credit for the car that was repossessed being sold at auction. Instead, there were late payments added to an account that was charged off and has been closed, dormant and in collections for years. I called Ally and they said that they couldn't access the account and that I would receive a letter from the credit bureau explaining the changes ( I haven't ). I reached out to Vermont 's Attorney General 's office and they directed me here. I have since learned that the settlement agrees that any negative remarks are supposed to be removed in XXXX of XXXX and {$1300.00} of any balance will be removed.
Frequently Asked Questions
What is Complaint #4792924 about?
Complaint #4792924 was filed against Ally Financial INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2021-10-08T12:00:00-05:00.
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, credit repair services, 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.