Consumer complaint received 2023-10-27
Company: Affirm Holdings, Inc
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX Phone number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unauthorized Account and Request for Deletion To Whom It May Concern, I am writing to address the child support agency that has reported an unauthorized account on my consumer report. It has come to my attention that you have unlawfully reported this account, which I have recently received communication about, in an attempt to collect the alleged debt. I want to bring to your notice that your initial communication regarding this debt was sent to me within the last 30 days. 

I want to make it clear that I dispute the validity of the alleged debt in its entirety. Furthermore, I request verification, validation, and proof that this alleged debt and child support obligation is indeed mine. In accordance with the law, I am asking for a copy of the contract or agreement, as child support operates under contract law. This contract or agreement must be with the original creditor and signed by all parties involved. 

It has come to my attention that you are attempting to collect on this alleged debt, and I must insist that you cease and desist all collection efforts immediately. 

I must bring to your attention that your actions may amount to aggravated identity theft, as per 18 USC 1028 ( a ) and 15 USC 1681 ( q ). It appears that you have knowingly transferred, possessed, or used my personal identification without lawful authority, which is a felony. Not only could this result in civil liability, but it may also have legal consequences.

I am writing this letter to dispute the account and to request its deletion from my consumer report. I hereby request the prompt deletion of any and all prior reporting made to the consumer reporting agencies. If you comply with my request within 14 days, you are excused from the verification process.

I have not given you written permission to include any information on my consumer report, which is protected by 15 USC 1681b, the permissible purpose clause. I have the right to individual privacy, as affirmed by 15 USC 1692. Your actions have violated my right to privacy under the FCRA and the FDCPA, and this violation will not be tolerated.

I want to make it explicitly clear that I am a litigious consumer, and I will not hesitate to take legal action against you for infringement on my right to privacy due to the inclusion of this alleged debt on my consumer report, which I do not owe and for which you have no legal right to collect.

I am requesting that you show me the agreement or contract that created this obligation, and I need to know when and where I enrolled in this program. You need to provide the contract bearing my endorsement and signature, indicating my agreement with your agency.

Your attempts to collect on this alleged debt are causing me severe harm and anxiety. It is unlawful to harass or coerce payment from individuals, as per 15 USC 1692d. Your actions have indeed amounted to harassment and abuse.

In conclusion, I urge you to cease all collection efforts and remove the unauthorized account from my consumer report promptly. Failure to do so will leave me with no choice but to pursue legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation