Consumer complaint received 2023-03-02
Company: Affirm Holdings, Inc
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. On XX/XX/XXXX your agency sent a letter stating that you had completed your investigation and the items were not deleted, or even updated as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. On XX/XX/XXXX you sent me this absurd response and XXXX not sure if its relevant to the certified letter I mailed on XX/XX/XXXX. Nonetheless I strongly disagree with this response. Its a major disregard for the immense detailed evidence I provided. I am going to escalate this complaint with the Consumer Fair Credit Reporting Agency as well as Ive absolutely had it with this frivolous reporting and disregard for my excruciating effort and your lack to cooperate with the laws and the rights Ive exercised. 
Therefore, this is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with XXXX on XX/XX/XXXX regarding the XXXX Affirm Accounts that I sent in via USPS. 
To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested.

Below are the items that you continue to report erroneously. 
Affirm, Account # XXXX, Date Opened : XX/XX/XXXX A. Missing / incorrect payment history. No payment history from any month except the month its inaccurately reporting late. ABSOLUTELY NOT 2 MONTHS LATE!!!! PROVE IT!!!!!! 
B. Not past due / incorrect balance. XXXX is {$410.00} XXXX XXXX payment dates. Missing XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Affirm, Account # XXXX, Date Opened : XX/XX/XXXX A. Missing / incorrect payment history. No payment history from any month except the month its inaccurately reporting late B. Not past due / incorrect balance. Nothing is past due. XXXX is XXXX XXXX Missing payment dates. Missing XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
Furthermore, I have attached supplemental evidence that undeniably verifies that this information being reported is in fact being reported incorrectly as the information I provided is from Affirm themselves and clearly confirms their deceptive reporting and admission of lies. I have attached the following : BBB Complaint and Affirm correspondence from XX/XX/XXXX. Youll see the affirm representative providing incorrect information that does not support the information you continue to report incorrectly and failed to update. 
Payment records of both accounts from Affirm XXXX. 
Affirm customer service chat from XX/XX/XXXX. Representative verifies nothing is past due and even admits that the dates they allege I was late, do not correctly reflect the dates that once again you allowed to report incorrectly and failed to delete on my first dispute attempt. 
Your bureaus incorrect reporting following my dispute. 
I have grown extremely weary of this burdensome and frivolous process of disputing these obvious unlawful reporting tactics. Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrive

Company response to consumer: Closed with explanation