Consumer complaint received 2022-12-08
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX. I first discovered that a firm INC had a fraudulent charge on my consumer reports in XX/XX/XXXX. I reached out to affirm Inc. about the fraudulent account. I did reached out to XXXX XXXX XXXX and XXXX I continue to do a CFPB report at that time a XXXX  report to FTC reports as well as a police report with the XXXX police department and XXXX XXXX police department. Ive also did a state, Attorney Generals complaint, as well as a consumer California consumer fair protection bureau as well as multiple calls to all three of the credit reporting ive asked XXXX and XXXX XXXX and XXXX, as well as Affirm to validate and verify to know that this is pure identity theft under 15 USC 1681C Dash two I would like all information to be blocked on my consumer reports 15 USC 1692E this is a violation of my privacy under the permissible purpose 15 USC 1681. Ive never given consent to any of the credit reporting agencies. Neither has the Social Security administration. Neither have I signed a SS 8809 letter, giving any of the credit reporting agencies consent to use my Social Security number. There are multiple violations not only do I want all of the fraudulent charges and addresses and multiple name spellings and this account with Affirm Inc. deleted, but I want to be compensated and monetized for all of the anguish mental pain and the inability to actually apply for credit needed, and I would like to be compensated up to {$1000.00} per violation of the FCRA. This is the information which is fraudulently being reported by all three of the major credit reporting agencies I have filed to FTC reports to XXXX reports a state attorney general report containing all of the fraudulent things that are on my consumer report as you will see here Ive detailed the misspellings of my name multiple times with XXXX, XXXX and XXXX XXXX. You will also see inside of this report as well as all of the fraudulent addresses that are on my consumer report. I have reached out to them multiple times asking them to clarify I had to look into and validate and verify all of the things that are on my consumer report but continuously, they violate my rights they use my Social Security number they report things without permissible purpose they violate my privacy. Here is all of the things in which has been reported on my consumer report by XXXX first, you will see then XXXX XXXX, then XXXX, all of the fraudulent accounts that are negative that were wrapped up by criminals and theyre reporting to my Consumer Reports. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt in response to your recent claim that the items listed in this report contains XXXX XXXX. And all UNAUTHORIZED INQUIRIES Yet again, you have failed to provide me with a copy of any viable evidence from these banks and the fraudulent use of my identity in connection with these items that you are reporting that you are reporting are a direct violation of FCRA Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at ( Name of Bank ) regarding this alleged account. I am formally requesting a copy of any documents provided by ( Name of Bank ), bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item Is entirely inaccurate and incomplete and represents a very serious error in your reporting. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of California Attorney General 's office, should you continue in your non-compliance? I further remind you that, as in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ), you may be liable for your willful non-compliance

Company response to consumer: Closed with explanation