Product: Payday loan, title loan, or personal loan

I applied for an extension of credit for personal, family, and household uses in regard to cell phones for myself and my wife. Upon applying, Affirm notified me of the following : " XX/XX/22 XXXX XXXX, Thank you for your interest in a loan through Affirm issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Our partner bank can't approve the loan you requested because we couldn't verify your identity based on the information we received. 

Our decision was based in whole or in part on information obtained from the following consumer reporting agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This consumer reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. Any questions regarding such information should be directed to the reporting agency listed above. 

If you have any questions regarding this letter, you should contact us at : Affirm , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Further, our decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for the disclosure of the nature of this information. 

NOTICE : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
" I verified my identity through the interface provided by Affirm, uploading my private and personal information in the form of pictures of my face, pictures of the front and back of my valid California identification, as well as a picture of my face with the ID in the frame. 

I tried calling Affirm through the customer service number provided by the merchant I was purchasing through, and waited on hold for a half hour to no avail. 

Affirm claims they were not able to verify my identity through XXXX and another unnamed consumer reporting agency. I entered my information exactly as it appears on my XXXX account and credit report. There should be no claim that my identity could not be verified, furthermore, Affirm provided me with no other option to verify my identity. 

As stated by Affirm in the above provided response, " this decision is final. '' What law allows Affirm to deny an extension of credit to a consumer? 

What law allows Affirm to claim that my identity can not be verified, without providing me the name and contact information of the consumer reporting agency used to come to that decision?