Consumer complaint received 2022-04-29
Company: Affirm Holdings, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ________________________________________ XX/XX/XXXX TO : Consumer Financial Protection Bureau XXXX XXXX Illegal Debt Collection Affirm Inc. Account # : XXXX On or about XX/XX/XXXX, I received a solicitation email from XXXX XXXX, indicating and stating they have the expertise to do professional and executive summary resume, in addition to XXXX profile summary. 
I already have a professional resume spanning four pages, stemming from 25 years of XXXX experience including mid-management position. All I wanted XXXX XXXX to do is take the four pages resume and summarize it into a one- or two-pages executive summary, to include cover letter. At the time, I was applying for XXXX positions at various companies. 
On the above date I called and spoke to two individuals ( a male and a female ) at XXXX XXXX raising concern on their ability to do the work and stressing the fact the technology resume is often different from other professional resumes giving the technical lingos in the industry. In those conversations they both promised me that they can do the job, and have done same many times. 
On the same day, feeling reassured, I completed a form and attached my Professional resume and cover letter with the hopes that Top Resume would summarize them into a 2-page XXXX summary resume. I was given a delivery date XX/XX/XXXX. I was willing and ready to pay in full given the small amount. 
However, XXXX XXXX, on the form preferred monthly payments. Yet, I was ready to pay in full on XX/XX/XXXX, upon receipt of the deliverables as promised by XXXX XXXX  as I did not want to deal with the stress of micro monthly payments. 
Unbeknownst to me, the monthly payment was associated with a company called Affirm. I have never heard of Affirm at the point and had no idea what they do. 
On Friday, XX/XX/XXXX, I eagerly and enthusiastically so, waited to receive the completed work from XXXXXXXX XXXX. Nothing came through, not even a phone call, thus constituting a breach of agreement. On XX/XX/XXXX, or XX/XX/XXXX, I called and email XXXX XXXX requesting status of the complete work. The resumes needed to go out to companies on positions I had expressed interest, ( i.e. XXXXXXXX XXXX  XXXX ). On that call, I was told that the person working on my resume was not available and that she would get back to me. Two days later I received a haphazard work which completely missed and failed to show all of my accomplishments in my 25 years of Professional experience and career. Of course, I was rightfully livid, and rejected the work. In her email, she asked for a collaborative effort, ( meaning I must show her how to write the work I am paying for ), that which I rejected as well. Nothing in the agreement made mention of a collaborative effort with me. I was however, out of the goodness of my heart, and because I wanted the work done as fast as possible, kind enough to offer her a free 20 minutes of my time ( free of charge ) to guide her on how to write a professional technical XXXX summary. See my letter XX/XX/XXXX, attached. 
To this day, I have not heard from XXXXXXXX XXXX. To this day, I have not received any complete work or complete deliverable from XXXXXXXX XXXXe. 
I have made it unequivocally clear that I am ready to pay in full upon my receipt of the deliverable work as promised by XXXX XXXX. I have pleaded with XXXX XXXX  and Affirm to complete the work and send me a satisfactory deliverable as promised. Affirm has instead chosen to unlawfully harass and destroy my credit. This is NOT acceptable and will not be tolerated. 
Several calls and emails to XXXX XXXX went unanswered. At one point, a person claiming to be owner of XXXX XXXX hung up the phone on me. In another, she blocked me from her email address when I tried to make effort to get the work completed. Further, my efforts to get Affirm to cause the complete deliverable to me were ignored. 
A few days ago, I found out that Affirm has unlawfully and egregiously and recklessly destroyed my credit, by recklessly and unlawfully inserting negative and derogatory information in my credit profile in clear violation of CFPB ( Consumer Financial Protection Bureau ), violation of FCRA ( Fair Credit Reporting Act ), and Rosenthal Fair Debt Collection Practices Act and the Federal Fair Debt Collection Practices Act. 
Affirm purposefully embarked on this act with the intent of destroy my hard work of building my credit while failing to cause XXXX XXXX  to make good on its promise to deliver the complete work for payment. It has been two years to date, and nothing has been received. 
Affirm is hereby given notice from the date of the letter to immediately, within 30 days, remove itself, including the negative and derogatory information from my credit profile. Failure to meet this demand will result in a lawsuit. I shall make no distinction between an active party and passive party including and not limited to the Credit Bureaus ( XXXX, XXXX, and XXXX ). 
I have authorized my lawyer to initiate a legal action against all parties involved. I will not be harassed, intimidated, or scammed. 
I ask you, the Consumer Financial Protection Bureau to bring action against Affirm in accordance with the law. I ask that the allowable compensation be paid to me in accordance with the law. 

Sincerely, XXXX XXXX cc : XXXX XXXX XXXX Others

Company response to consumer: Closed with explanation