Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5313354
Complaint Overview
Complaint ID: 5313354
Company: Ally Financial INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: New Jersey
ZIP Code: 08104
Date Received: 2022-03-12T12:00:00-05:00
Date Sent to Company: 2022-03-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently received a copy of my XXXX credit report and your company is in violation of the law! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES YOU NEED WRITTEN INSTRUCTIONS FROM THE CONSUMER to whom it relates. Did I give you written instructions to furnish this on my credit report? That is unauthorized use! Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) states EXCLUSIONS! A consumer report should EXCLUDE information solely as to transactions or experiences between the consumer and the person making the report. Your reporting on payment transactions and reporting as LATE IS IN MAJOR VIOLATION OF THE LAW. I demand you STOP REPORTING on my Consumer report and DELETE the late payments from this ACCOUNT in violation of 15 USC 1681. There is no such thing as a late payments because the account was paid in full the moment my credit card was accepted. 12 CFR 1002 2 ( a ) ( a ) Account means an extension of credit. When employed in relation to an account, the word use refers only to open end. 15 USC 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Ally has caused severe stress and anxiety due to the abusive and unfair practices. Failure on your behalf to DELETE LATE PAYMENTS reporting on my consumer report will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Frequently Asked Questions
What is Complaint #5313354 about?
Complaint #5313354 was filed against Ally Financial INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2022-03-12T12:00:00-05:00.
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.