Skip tracing is a business act or practice within the financial industry under debt collection. It may be outsourced, or within their networks including all associates, affiliates, subsidiaries, or committed by any debt collector managing or assisting that particular account. It's info gathering at an extreme calling, abusing, harassing, embarrassing alleged debtors their relatives (ex), friends, businesses, any associated phone numbers they can dredge up disguised as "locating a consumer." They use terms listed as: associated, alternate contact number, wrong name or wrong number to disguise their illegal deceptive intent.
Scam / illegal contact issues are covered within unfair, deceptive, abusive acts, practices, (UDAAP) under the Dodd Frank Act leading to violations within state and federal FDCPA, FTC Act, FCRA, Truth in caller ID Act and others. None of these stop their illegal business acts / practices they just adjust their disguise to people they're calling.
Ally Financial formerly GMAC Inc, headquartered in Michigan, with their BBB report showing over 100 known locations. I'm sure it's impossible to list their associates, affiliates, and subsidiaries! Some known would be Ocwen Loan Serving and Nationstar
Oh, I can read but it still makes no sense. Why would she come here if she knows who it is? People come here because they don't know, not because they do.
Oh, and I can make posts without name-calling, something it seems you're incapable of doing.