Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
To Whom It May Concern, I, XXXX XXXX, am writing to formally dispute the inaccurate and fraudulent information currently reflected on my credit report. In XXXX I became a victim of identity theft, which has had a significant impact on my financial standing. Someone attempted to file a fraudulent tax return using my personal information, which required me to establish a special Identity Protection PIN ( IP PIN ) with the IRS to safeguard my identity. 

Since the incident, I have discovered multiple inaccuracies across all three major credit bureaus ( XXXX, XXXX, and XXXX ). These inaccuracies include, but are not limited to : Accounts I did not open that are listed under my name. 
Debts and balances from companies I have never done business with. 
Collection accounts from debt collectors I have never been contacted by or entered into any agreements with. 
Specifically, the following items are incorrect and must be removed from my credit report : Affirm Inc : Multiple accounts showing charge-offs and past-due balances, which I did not authorize or open. 
XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX XXXX : These accounts include erroneous debts, which were not opened by me, and have inaccurate reporting without my permission. 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX : Collection accounts listed under my name, affiliated with debts I do not owe to any creditor. 
I also want to emphasize that none of these accounts have my hand-signed documentation as required to validate their legitimacy. I have not received any official communication regarding these debts, nor did I provide consent for the sharing of my personal or financial information with any third-party entities. 

This situation has resulted in a substantial negative impact on my credit score, which has severely limited my ability to obtain new credit, purchase items on credit, or receive loans for personal and financial needs. 

Violations of Federal Law I believe the following federal laws have been violated : Fair Credit Reporting Act ( FCRA ) : Credit reporting agencies and creditors failed to ensure the accuracy of my credit report, and despite my disputes, they continue to report false information. 
Fair Debt Collection Practices Act ( FDCPA ) : Debt collectors listed on my report did not verify the debt before attempting collection and reported it to credit bureaus without my knowledge or consent. 
XXXX XXXX ( XXXX ) : My personal financial information has been shared without my explicit permission, constituting a breach of privacy. 
I am requesting an immediate investigation into these matters, the removal of all fraudulent and incorrect accounts from my report, and the restoration of my rightful credit score. Please contact me at your earliest convenience to confirm receipt of this letter and to provide updates on the status of this investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation