Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
XX/XX/XXXX2024 I am writing to formally dispute the accuracy and completeness of specific items listed on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Please consider this letter a formal request for reinvestigation pursuant to 15 U.S.C. 1681i.

15 U.S.C. 1681 Section 602 ( a ) - This section establishes my right to privacy as a consumer 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - This section states that a consumer reporting agency can not furnish information regarding an account without obtaining my written instructions. Therefore, I request that you promptly delete this account unless you wish to be held liable for a penalty of {$1000.00} per violation.

Upon reviewing my credit report, I have identified the following inaccuracies : 1. XXXX XXXX XXXX XXXX - [ Account Number ] XXXX, XXXX, XXXX, XXXX The reported {$440.00}, {$750.00}, {$790.00} are incorrect and inaccurate because I do not owe this company anything as these are not my accounts. I have NO relationship with this company at all. I have No contract with this company. I have never done business with this company. I have been the victim of identity fraud and have placed an alert on my credit file. My information was also exposed in a data breach via XXXX, XXXX and XXXX. 
Under the FCRA, credit reporting agencies have an obligation to ensure the maximum possible accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Further, in XXXX v. XXXX XXXX XXXX, 29 F.3d 280 ( 7th Cir. 1994 ), the court emphasized that credit reporting agencies must investigate and correct errors when notified of inaccuracies. The continued reporting of inaccurate or incomplete information violates this obligation and negatively impacts my creditworthiness. 
As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably. 
Absent of such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information I request that you : 1. Conduct a thorough investigation of the disputed items ; 2. Provide written documentation verifying the accuracy of the reported information 3. The original contract with my wet signature 4. chain of title to collect debt 5. validation of debt according to USC 1692 g 6. history of payments made to this debt collector on this account Please note that under 15 U.S.C. 1681i ( a ) ( 1 ), you are required to complete your investigation within 30 days of receiving this letter. Failure to comply with this timeline may constitute a violation of the FCRA and subject your agency to penalties.

Remedy to this situation is IMMEDIATE deletion of these fraudulent accounts from all 3 of my credit bureau reports and shall not be re-reported to my credit files. Tese debts shall never be resold to another debt collector nor shall they ever reappear on my credit files. 
I look forward to your prompt response. Should you require further information, you may contact me directly at ( XXXX ). 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : Copies of credit report excerpts ]

Company response to consumer: Closed with explanation