Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5677983
Complaint Overview
Complaint ID: 5677983
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: Georgia
ZIP Code: 30324
Date Received: 2022-06-16T12:00:00-05:00
Date Sent to Company: 2022-06-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
15 USC 1681a ( 2 ) ( i ) clearly states ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or EXPERIENCES between the consumer and the person making the report ; I have attached a copy of your previous communication to me through the CFPB where you admitted to furnishing EXPERIENCES between your company and me the consumer. This is expressly excluded from the consumer report. No late payments ( ir : experiences ) should be reported on my consumer report by your company. You are in direct violation and will be subject to criminal and civil penalty if you fail to comply with the legal terms of this section.
Frequently Asked Questions
What is Complaint #5677983 about?
Complaint #5677983 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 2022-06-16T12:00:00-05:00.
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.