Consumer complaint received 2023-06-19
Company: Affirm Holdings, Inc
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Subject : Credit Dispute - Request for Removal of Inaccurate Information Dear Sir/Madam, I am writing to dispute certain information on my credit report that I believe to be inaccurate, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 1 ) ( B ). The FCRA, 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

It has come to my attention that there are remarks related to an account with AFFIRM INC, which I believe to be incorrect and misleading. I have made numerous attempts to resolve this matter directly with AFFIRM INC but have been unsuccessful in obtaining any satisfactory resolution. In accordance with Section 623 ( a ) ( 1 ) ( B ) of the FCRA, I have previously notified AFFIRM INC of my dispute regarding the completeness or accuracy of the information reported. 

I kindly request that you take immediate action to remove the following credit remarks from my personal credit report : Account Name : AFFIRM INC Account Number : XXXX Account Type : Unsecured Date Opened : XXXX XXXX XXXX  Open/Closed : Closed Status : Collection account. {$93.00} past due as of XXXX XXXX 
Status Updated : XX/XX/XXXX Balance : {$370.00} Balance Updated : XX/XX/XXXX Original Balance : $ 333 Monthly Payment : - Past Due Amount : {$93.00} Terms : 18 Months Responsibility : Individual I would like to emphasize that I have made several attempts to communicate with AFFIRM INC regarding this account, specifically requesting proof of the account 's association with my identity. Despite spending extensive time on the phone with their customer service representatives, including speaking to multiple managers, I have not received any satisfactory resolution or clarification. I believe this account has been incorrectly assigned to me, and I have no knowledge or involvement with it. 

As per Section 623 ( a ) ( 1 ) ( B ) of the FCRA, if a consumer notifies a furnisher ( AFFIRM INC ) of their dispute regarding the completeness or accuracy of any information reported, the furnisher is prohibited from subsequently reporting that information to a Consumer Reporting Agency ( CRA ) without providing notice of the dispute. Therefore, I request that you take immediate action to remove this inaccurate and misleading information from my credit report, as it is negatively impacting my creditworthiness and financial standing. 

I kindly request that XXXX Credit Reporting Agency thoroughly investigate this dispute and update my credit report accordingly, reflecting the accurate and factual information. Enclosed with this letter, please find supporting documents that substantiate my claims, including copies of correspondence and records of my attempts to resolve this matter with AFFIRM INC . These documents highlight my repeated requests for proof of the account 's association with my identity and the failure of AFFIRM INC to provide the requested information. 

I appreciate your attention to this matter and your compliance with the FCRA 's provisions. The FCRA aims to ensure that consumer credit reports are accurate and fair, and that personal information is handled with privacy and integrity. I trust that XXXX Credit Reporting Agency will fulfill its obligations under the FCRA by conducting a thorough investigation and taking prompt action to remove the inaccurate information from my credit report. 

Please provide written confirmation once the necessary actions have been taken to resolve this dispute and remove the inaccurate information from my credit report. If additional information is required, please do not hesitate to contact me. I am committed to cooperating fully to resolve this matter and restore the accuracy of my credit report. 

Furthermore, I would like to inform you that if this matter is not resolved promptly, I will have no choice but to pursue appropriate legal recourse. I intend to contact all relevant law enforcement authorities to report the potential fraudulent activity associated with this account, seeking their assistance in investigating the matter further. 

In addition to contacting law enforcement, I plan to file complaints with the XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), as well as all local and state Attorney Generals and Financial Regulators. By doing so, I aim to bring attention to this potential fraud and ensure that appropriate actions are taken against the responsible parties. 

I will also be sending appropriate letters to local, state, and federal legislators, requesting their assistance with this matter. It is important to involve them as they have the power to influence regulatory bodies and enact changes that protect consumers like myself. Additionally, I will be reaching out to XXXX XXXX, a reputable news organization, to highlight my situation and raise awareness about the potential fraud and the need for consumer protection. 

Please be aware that there may be other legal remedies available to me as a consumer, and I am prepared to explore all options to protect my rights and rectify this situation. This may include seeking legal representation, pursuing civil litigation, and notifying other relevant regulatory bodies to investigate this potential violation of consumer rights. 

I trust that XXXX Credit Reporting Agency understands the gravity of this matter and will take immediate and appropriate action to resolve the dispute. I look forward to your prompt response and a satisfactory resolution. 

Thank you for your attention to this urgent matter. 

Sincerely,

Company response to consumer: Closed with explanation