Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5618280
Complaint Overview
Complaint ID: 5618280
Company: Ally Financial INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Michigan
ZIP Code: 48237
Date Received: 2022-05-31T12:00:00-05:00
Date Sent to Company: 2022-05-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I opened a complaint with CFPB, however the issue was closed without reviewing the complaint. The company responded with an original contract which was 'not ' my complaint. The complaint is related to the debt being too old to be on my credit 'AND ' when I filed a dispute about it on XX/XX/XXXX, the company updated the record reducing the owing balance by {$1.00} to manipulate the system to cause my credit to drop over 45 points. Complaint # XXXX : On XX/XX/XXXX, I submitted a dispute through XXXX XXXX and XXXX for an Ally Financial account on my account that is too old to be on my report. On XX/XX/XXXX, when the investigation was concluded Ally Financial updated my credit file as if a payment was recently made for {$1.00} to manipulate the system in negatively impacting my credit. This caused my credit rate to decline by 45 points. This is an unfair and inaccurate way the creditor is attempting to burden my credit report unscrupulously and violates my rights under the FCRA. I am requesting this account be removed in totality please.
Frequently Asked Questions
What is Complaint #5618280 about?
Complaint #5618280 was filed against Ally Financial INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-05-31T12:00:00-05:00.
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.