Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against American First Finance and XXXX XXXX XXXX regarding a significant issue I encountered during my application for a line of credit with American First Finance. The actions and misrepresentations by these companies have caused me undue distress, humiliation, and potential financial harm.

I applied for a line of credit with American First Finance. To my surprise and embarrassment, I was denied credit due to false and inaccurate information provided by Clarity Services. American First Finance sent me a denial letter stating that my application was declined based on a score of XXXX, which was supposedly provided to them by XXXX XXXX. This score is in stark contrast to the XXXX score I obtained directly from XXXX XXXX with no derogatory remarks ( see attached score and report ).

I would like to highlight the following points : False Information : American First Finance relied on inaccurate information provided by XXXX XXXX, resulting in the denial of my application. This has left me feeling extremely humiliated and frustrated. 

Unauthorized Sharing of Information : I never provided written consent to XXXX XXXX to share or furnish any information about me to third parties, including American First Finance. 

Lack of Responsibility : XXXX XXXX has failed to take any responsibility for providing incorrect and misleading information to American First Finance, which has further exacerbated the situation. 

Lack of Responsibility : American First Finance has failed to take any responsibility in investigating and retrieving the CORRECT information as I told them countless times they have the wrong information. ( refer to denial letter that they sent me ) Potential Fraudulent Activity : I am deeply concerned that one or both of these companies may be engaged in fraudulent activities, especially American First Finance. Despite providing them with security, which they converted into a receivable, they have failed to conduct a proper investigation to verify the true and accurate facts regarding my credit score.

The communication between American First Finance and XXXX XXXX has not only caused me great distress but also potentially damaged my reputation and financial standing. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against these companies for their misleading and possibly fraudulent practices.

I kindly request that you review the attached documents, including the accurate credit score and report from XXXX XXXX, to verify my claims. I appreciate your prompt attention to this matter and look forward to a swift resolution to rectify the inaccurate information and restore my financial reputation.

AMERICAN FIRST FINANCE CLAIMS THESE ARE THE FACTORS AS TO WHY THEY DENIED ME : Key factors that adversely affected your credit score : Lack of sufficient relevant account information at XXXX, Length of time since online payday loan opened, Lack of sufficient relevant account information, Number of reported bank accounts, The number of inquiries was also a factor, but effect was not significant THEY CLEARLY STATED THE EFFECT WAS NO SIGNIFICANT AND IF YOU LOOK AT THE COPY OF MY REPORT FROM XXXX XXXX YOU CAN SEE THAT THE FACTORS ARE INACCURATE, I DONT EVEN HAVE A PAYDAY LOAN OPENED.