Product: Credit reporting or other personal consumer reports

I am writing to formally dispute two accounts that have been fraudulently attributed to me by AFFIRM , Inc . The accounts in question are : Account XXXX XXXX in the amount of {$960.00} Account XXXX XXXX in the amount of {$100.00} For over a year, I have repeatedly disputed these accounts with Affirm, submitting extensive supporting documentation, including but not limited to : Police reports Identity theft reports Sworn affidavits Federal Trade Commission ( FTC ) reports Consumer Financial Protection Bureau ( CFPB ) complaints Despite my continuous efforts to resolve these fraudulent claims, AFFIRM has failed to comply with my lawful requests. Their refusal to conduct a transparent investigation and to provide any verifiable proof of debt or contractual obligation demonstrates blatant disregard for federal and state consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) AFFIRM has violated my rights by failing to properly investigate my dispute and continuing to report inaccurate information.

Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) AFFIRM has not provided the necessary disclosures regarding the alleged debt.

XXXX XXXXt ( XXXX ) ( 15 U.S.C. 6801-6827 ) AFFIRM has misused and unlawfully disseminated my private and protected information without my consent.

Uniform Commercial Code ( UCC ) 1-201, 3-501, 9-210 AFFIRM has failed to validate the alleged debt and provide a full accounting as required.

Massachusetts Consumer Protection Act ( M.G.L. c. 93A ) AFFIRM 's deceptive and unfair practices have caused me significant financial and emotional distress.

Privacy Act of 1974 ( 5 U.S.C. 552a ) AFFIRM has failed to properly secure and lawfully process my personal information. 

Legal Status and Affirmation I am a XXXX XXXX of the United States of America, as defined under 8 U.S.C. 1101 ( a ) ( 21 ), and a member of a XXXX XXXX XXXXXXXX XXXX XXXX My unique identity and rights are protected under the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) and other applicable laws. Any unauthorized use of my private, copyrighted, and trademarked personal information constitutes an unlawful act, violating my fundamental rights under U.S. law. 

Harm and Damages Due to AFFIRM 's actions, I have suffered severe financial, emotional, and personal hardships, including : Credit Denial : AFFIRMs false reporting has prevented me from securing credit, thus obstructing my ability to engage in necessary business operations. 

Business Losses : The inability to access credit has resulted in missed business opportunities, impacting my financial stability. 

Emotional Distress : AFFIRMs refusal to act in good faith has directly contributed to significant emotional distress, including the dissolution of my relationship, as I was unable to move forward with plans to purchase a home and travel. 

Demand for Immediate Action I formally demand the following : Immediate removal of the fraudulent accounts from my credit report. 

Full disclosure of all documents, contracts, and communications related to these accounts. 

A detailed explanation of AFFIRMs investigation procedures and compliance with federal and state laws. 

A formal written response confirming that these accounts have been permanently deleted from all reporting agencies.