Consumer complaint received 2024-04-24
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 (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Attn : Customer Relations Department XX/XX/XXXX To Whom It May Concern, I strongly disagree with the response provided in your investigation. Despite your investigation, the following incorrect items remain on my credit report. I request that these items be promptly re-investigated for valid reasons. These inaccuracies are significantly damaging to my credit rating. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XX/XX/XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX 7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Validate Account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
12. Validate Account XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
13. Validate Account XXXX XXXXXXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
14. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
15. Validate Account XXXX XXXX I Account Number : XXXX Please remove this inaccurate information from my credit report. 
16. Validate Account XXXX XXXXXXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
17. Validate Account XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
18. Validate Account XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
19. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX  Please remove this inaccurate information from my credit report.XXXX20. Validate Account XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
21. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
22. Validate Account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
23. Validate Account XXXX  XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
24. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
25. Validate Account XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
26. Validate Account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
27. Validate Account XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
28. Validate Account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
29. Validate Account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
30. Validate Account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
31. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
32. Validate Account XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report.

33. Validate Account XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
34. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
35. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
36. The status is incorrect for the following account XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
37. The following personal information is incorrect Account Number : CURRENT ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act.

Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under XXXX XXXX XXXX is the same as it is under XXXX XXXX XXXX ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card.

The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

I request that you review this information and make the necessary corrections to my credit report.

Additionally I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA.

As a consumer by law this account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Attorney Generals Office, Better Business Bureau, XXXX XXXX, XXXX XXXX XXXX XXXX, Comptroller Of The Currency, Federal Reserve XXXX XXXX and XXXX, Federal Trade Commission, XXXX XXXX agency, Thank you for your attention to this matter.