Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (NV)

According to the Fair Credit Reporting Act, Section 15. U.S.C 1681 ( E ) ( B ) Procurement of consumer report for resale, A person may not procure a consumer report for the purpose of reselling the report ( or any information in the report ) Unless the person disclosed to the consumer reporting agency the originally furnishes the report. Per the IRS web portal Once an account has been moved to Charge Off status the Lender has filed a discharged debt to Cancel or forgiven the debt and the debt is now considered canceled or forgiven a 1099C Form should be issued due to the date being paid.

According to the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ), you are required by federal Law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could Fax, mail or email in a fraudulent account, According to the Fair Credit Reporting Act, Section 15 U.S.C 1681 ( A ) 2 Congressional Findings and statement of purpose. I did not give written permission to have these account furnished on my credit report, I demand to see verifiable proof An original consumer contract with my signature on it that you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, Unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove these accounts listed below. 


I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Acct # XXXX {$140.00} Charged off as of XXXX, XXXX  I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists AFFIRM INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Acct # XXXX {$480.00} charged off as of XXXX, XXXX  I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists AFFIRM INC  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX Acct # XXXX {$390.00} charged off as of XXXX, XXXX  I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists AFFIRM INC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Acct XXXX XXXX {$400.00} charged off as of XXXX, XXXX  I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Acct XXXX XXXX {$180.00} charged off as of XXXX, XXXX