Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Affirm Holdings, Inc (TX)

As of XX/XX/XXXX Affirm, XXXX, XXXX, & XXXX are reporting an inaccurate address and name on my credit report without my permission and after being told several times that is not my information and is incorrect. This is a direct violation of the FCRA per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies which states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' I reached out to the company Affirm reporting this inaccurate information and they confirmed the following on XX/XX/XXXX " We are writing to you in response to your unauthorized dispute claim and have completed our investigation. Our review has concluded a resolution in your favor. Rest assured, you will not be held responsible for the Affirm loan ( s ) made in your name, and if furnished, the loan ( s ) will be removed from your credit report in our next reporting cycle. Please note most updates take 30-60 days, but in some circumstances may take longer.

We have also placed restrictions on this Affirm account from obtaining any future loans.

We sincerely appreciate you contacting us regarding this unauthorized activity. We apologize for any inconvenience this may have caused you. Please do not hesitate to contact Affirm again with any additional questions you may have. 
'' Once I reached back out to Experian they still refused to remove the inaccurate information stating Affirm would need to send them a request to remove.

Affirm is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Affirm the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal and non-verbal and am now rescinding that authorization to continue reporting this inaccurate information to my credit report per 12 CFR 1016.7 and The Privacy Act of 1974. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

This is causing denial of credit and creating adverse/negative information to be displayed when applying with other companies. Please have this information removed immediately.