Consumer complaint received 2023-03-23
Company: Affirm Holdings, Inc
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your 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 Im 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 2 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 XXXX ( a ) ( XXXX ). 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. Balance is {$410.00} XXXX  Missing 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. Balance 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 : XXXX  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 portal. 

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 arrived to it. 

Their response on XX/XX/XXXX was useless and irrelevant as they fail to address why they havent and have not reported the positive payments I did make prior to any late payments. They did and have not ever reported anything unless the intention was to hurt me. Their first reporting came in 5 months after loan was opened and only shows the loan as late, and nothing shows for the prior 5 months. Theres no way thats ethical. Disputed this several times, but nothing gets done. XXXX enables this, and they never provide the information I requested.

Company response to consumer: Closed with explanation