Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
To whom it may concern : I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The information in my profile needs to be accurate and complete. You can document your verification process for all the data within my credit report by following these standards set forth under Metro 2 compliance and FCRA law, which will ensure that youre meeting deadlines while maintaining accuracy! The information in my credit report and below is wrong. It was never proven to be factual, so now I have decided to exercise my consumer rights! I know I'm entitled to accurate and current information about my finances. So, when the misrepresentation of facts is found on my credit report it can and has had serious consequences! This means I need you to fix these problems right away before they get worse! I am exercising my right to be informed of any inaccuracies on my credit report. I request that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report The information above was never compliant with reporting standards, so we don't know what you're talking about. The information you provided is not up-to-date and does not meet the minimum standards for accuracy. I demand that this be fixed immediately, or else legal action will ensue! I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX : XXXX DOB : XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Page 1 of 3 Also, see the image above for AFFIRM INC XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Ive highlighted and circled additional areas of concern. 
Sincerely As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.

Company response to consumer: Closed with explanation