Consumer complaint received 2022-08-23
Company: Affirm Holdings, Inc
State: FL
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:
XXXX XXXX AND XXXX XXXX XXXX HAVE REPOTED LATE PAYMENTS AFTER ACCOUNTS HAVE BEEN CLOSRD. MONTHS LATER. THEY THEN AFTER DISPUTINNG SUBMITTED NEW CLOSED DATES SO THAT THE LATE PAYMENT FILINGS COULD STAY ON REPORT. 

THERE ARE 2 DATES OF ACCOUNT CLOSING. ONE AN OFFICIAL DATE OF CLOSURE THEN ANOTHER LISTED IN THE " PAYMENT HISTORY '' SECTION OF REPORT. WHRN DISPUTED AND BROUGHT TO CREDITOR AND DISPUTED WITH BUREAUS ... .NOTHING HAS BEEN DONE... .SEVERAL DISPUTES FILED... WHEN I BRING IT TO THEIR ATTENTION... IM TOLD TO FILE ANOTHER DISPUTE. WHEN I SAY IVE DONE 3 OR MORE LOOK AT THEM ... IM TOLD THEY ARE CLOSED AND CANT HELP ME... SO THEY DONT WANT TO LOOK AT THEM. 

WHEN I QUOTE THE F C R A REGULATIONS AND ASK HOW THIS CAN BE ... THEY SAY IM RIGHT .... '' BUT THEY CANT REMOVE '' CREDITOR HAS TOO. IM STUNNED ... IN MY FACE AND IN THEIRS ITS WRONG AND THEY REFUSE TO REMOVE UNVALIDATED DEBTS AND WRONG / FALSELY REPORTED NEGATIVE INFO... .THEY REFUSE TO DO SO AND TELL ME " THATS ALL THEY CAN DO FOR ME IS FILE ANOTHER DISPUTE ... .I HAVE EXPLAINED YOUR OPTIONS I AM GOING TO END THIS CALL BECAUSE I CANT HELP YOU '' I HAVE RECORDED CONVERSATIONS OF SUPERVISOR FROM EACH BUREAU TELLING ME THIS. 

AFFIRM IS ANOTHER ... PAID OFF ACCOUNT XX/XX/XXXX. WASNT UPDATED. DISPUTED IT ... XX/XX/XXXX RESPONDED INFO IS CORRECT... DISPUTED AGAIN IN XXXX... XXXX... SAME THING ... WHEN I ASKED FOR WHAT DOCUMENTATIOM THEY COULD POSSIBLY GIVE YOU SHOWING A BALANCE OWED... THEY REFUSED TO TELL ME OR OFFER ANY INFO... .SO I ASKED THEM ... .WHAT COULD THEY POSSIBLY GIVE YOU AS PROOF ... WHEN I SUBMITTED ANVEMAIL FROM AFFIRM " THANK YOU FOR YOUR BUSINESS LOAN IS PAID OFF ... WOULD YOU LIKE TO PURCHASE ANYTHING ELSE '' EVEN HAD THEM ON PHONE WITH 1 BUREAU ... .CONFIRMINGCACCOUNT PAID IN FULL... THEY STILL DID NOTHING ... .AND HAD NO WAY OF VALIDATING CREDITOR REPORTING ... I HAD EMAIL ... .ITS STILL LISTED AS OPEN... AND THR CREDITOR REPORTED IT OPEN STILL ... .I ASKED FOR PROOF IT WAS... THEY HAD NONE TO OFFER ... .I THOUGHT THEY HAD TO IMMEDIATELY REMOVE. 

THEY REPORT IN ERROR AND ARE ALLOWED TO CHANGE DATES ... .REPORT KNOWINGLY FALSE INFO WITH NO REAL CONSEQUENCES... .BUT THE LIVES THEY DAMAGE ... SOMETIMES DESTROY ... .BUT DEFINETLY HURT CAN NOT BE FIXED OT CORRECTED BY THE BLATANT DISREGARD FOR RULES AND REGULATIONS SET FORTH IN THE F C RA ... .BUT THEY GO ON BEING IN THE BUSINESS OF BREAKING RULES... FOLLOWING THEM WHEN ITS THE CONSUMER ON THE END OF STICK ... .WHEN ITS WHO PUTS BREAD AND BUTTER ON THE TABLE FOR THEM ... .NOTHING APPLIES OR THEY ARENT HELD TO THOSE STANDARDS RULES AND LAWS SET FORTH BY F C R A ... .BECAUSE WE DONT MATTET... AND WE NEVER HAVE ... .FOLLOWING THE RULED IS ONLY ENFORCED AT THE CONSUMER LEVEL BY 2. 1. CREDITORS WHO ARENT HELD TO STANDARD BY BUREAUS ... .AND BUREAUS WHO GET PAID BY THE CREDITORS THEY REFUSE TO APPLY THE RULES TO ... .WHO GETS THE SHAFT... .CONSUMERS... .NO ONE POLICIES THEM ... .LOL. ONE LETS THE OTHER DO AS IT PLEASE BECAUSE THEY PAY THEM. CONSUMERS ... WE ARE JUST NUMBERS TRYING TO TAKE MONEY OUT OF THE BUREAUS POCKETS. THATS EHAT FIXING ERRORS DOES ... BECAUSE IF ITS CORRECTED ... ITS NO LONGER PAID FOR TO BE REPORTED

Company response to consumer: Closed with explanation