Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (NJ)

I was looking at my credit report and noticed XXXX charge off accounts being reported by Affirm Inc.These accounts, as currently reported, contain inaccuracies that violate my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). I am entitled to a full disclosure of Affirm Inc. 's documentation and procedures to verify the information provided to credit reporting agencies. 

In particular, I am requesting the following : All Communication and Documentation Between Affirm Inc. and XXXX Please provide all communication between Affirm Inc. and XXXX related to my accounts and consumer report, including, but not limited to : Emails, letters, reports, or any electronic communications Internal memos or correspondence concerning my consumer report or disputed items.

Comprehensive Documentation on Affirm Inc.s FCRA Compliance Procedures I am requesting all records detailing Affirm Inc.s procedures for ensuring compliance with FCRA requirements for accuracy and completeness, including : Training session records, including attendance logs, content of training materials, and frequency of training specific to FCRA compliance Written policies, procedures, or guidelines that outline Affirm Inc.s approach to ensuring accuracy in consumer reporting Reports or audit findings that assess Affirm Inc.s adherence to FCRA standards. 
Complete Chain of Title for Both Accounts in Question I request a full complaint chain of title for both accounts as maintained by Affirm Inc., including ownership transfers or account status changes since the account 's origination. This does not refer to billing statements generated by Affirm Inc., but rather to all documents showing the history of account ownership and any transfers. 

Procedures for Resolving Consumer Disputes Related to Consumer Reporting Please furnish documentation that outlines Affirm Inc.s procedures for resolving consumer disputes or complaints, including : Any documents explaining the policies or steps taken by Affirm Inc. to handle consumer complaints or disputes specifically related to credit reporting accuracy. 
Original Note and Contract with Wet Signature Provide the original promissory note or any equivalent loan agreement, signed by me with a wet signature, along with the full, unaltered original contract associated with each account in question. 

Under the FCRA, it is Affirm Inc.s responsibility to furnish accurate information and to verify such information in response to disputes. This request serves as an opportunity for Affirm Inc. to fulfill these obligations by providing documentation to demonstrate its compliance with FCRA standards and to confirm the accuracy of the information currently reported to credit bureaus. 

Please send the requested documentation to my address listed above within 14 days from receipt of my complaint. Failure to provide these documents within this timeframe will give me no choice but to file the attached demand for arbitration to resolve this matter