Credit reporting or other personal consumer reports — ALLY FINANCIAL INC. (NC)

Credit inquiries on your report that you don't recognize. I am writing to address a critical issue regarding a credit inquiry that appears on my credit report. While the inquiry is showing on my report, which implies proof of an approved account, I was denied access to my credit account I applied for. This situation is contradictory and suggests a violation of my rights under the Consumer Protection Act and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), which stipulates that inquiries should only be made when credit is approved. The ongoing reporting of this inquiry not only negatively impacts my credit score but also indicates the continued use of my security interest without proper justification. Since you have denied me access to credit, I expect the immediate return of my