Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6427231
Complaint Overview
Complaint ID: 6427231
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 status incorrect
State: District of Columbia
ZIP Code: 20032
Date Received: 2023-01-11T12:00:00-05:00
Date Sent to Company: 2023-01-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Ally Financial is currently reporting " late payment '' status ' for the months of XXXXXXXX XXXX XXXX XXXX XXXX XXXX to XXXX, XXXX, and XXXX. This reporting is adversely affecting my livelihood, reputation, and creditworthiness. Ally Financial is in violation of : * The Heros Act ( Section110401 ) Negative Consumer credit reporting during the COVID-19 pandemic plus an additional 120 days to ensure innocent consumers effected by the significant economic harm of the COVID-19 Pandemic are held harmless and do not suffer further damage by having late or missed payments ruin their consumer credit report and reduce credit scores. *15 USC 1681a ( d ) ( 2 ) ( a ) ( i ) Exclusions ; transactions or experiences between the consumer and the person making the report are to be excluded from the consumer report whether or not they factually took place *15 USC 1666b ( a ) Timing of payments ; payments may not be treated as late for any purpose
Frequently Asked Questions
What is Complaint #6427231 about?
Complaint #6427231 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 2023-01-11T12:00:00-05:00.
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.