I contacted Ally about my auto loan being rewritten. At that time I was informed if I rewrote the loan my next payment would not be due until XX/XX/XXXX. I received no collection calls. Therefore I was under the impression that my loan was in a rewrite status. Ally reported my payment as late while they rewrote the loan, requested info from me by XXXX, and completed the loan process. When all was finalized I found out the credit reports were made.