Consumer complaint received 2025-01-14 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: NY

Complaint narrative:
I am formally filing an identity theft report and providing evidence to dispute a fraudulent loan with Affirm , Inc. that has not been removed from my XXXX credit report, despite my repeated attempts to resolve this issue directly with Affirm and XXXX. 

This situation has significantly impacted my credit score and limited my ability to secure financing over the past several months. I have never applied for, authorized, or opened any loan or account with Affirm , Inc . 

Between XXXX and XX/XX/year>, my credit report showed multiple fraudulent inquiries, credit information changes, and payday loans. It appears that someone illegally obtained my Social Security number and used it to add fraudulent addresses ( XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, and XXXX North XXXXXXXX XXXX XXXX XXXX XXXX  NY ) and phone numbers to my personal credit profile. This individual applied for multiple credit cards, took out numerous payday loans, and made unauthorized online purchases. I first discovered this fraudulent activity in XXXX, and while I managed to resolve most issues directly with creditors and the three major credit bureaus, one creditor, Affirm , Inc., continues to falsely assert the legitimacy of a fraudulent loan. Furthermore, XXXX removed this Affirm , Inc. from my credit history when I originally disputed the item in early 2024, however, around XXXX or XX/XX/year> the fradulent Affirm loan was then added back to my XXXX credit history but under a different address ( XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX ) The loan from Affirm, Inc. was allegedly opened around XX/XX/year>, to purchase items from XXXX for {$670.00}. I did not receive any items from XXXX around this date, and my XXXX account ( associated with my email, XXXX ) reflects no matching purchases in XXXX or XX/XX/year>. Affirm , Inc. has refused to remove the fraudulent loan from my credit history. Unfortunately, I can not access the fraudulent account because Affirm , Inc. has not provided vital account details, including : ( XXXX ) The original email address and phone number used to open the account on XX/XX/year>, ( XXXX ) The XXXX XXXX XXXX with the purchase, ( XXXX ) The item allegedly purchased, ( XXXX ) The address to which the item was sent, ( XXXX ) The reasons for the initially removing the fraudelent account from all three major credit rating agency reports in XXXX and then the subsequent reopening of the fraudulent account, which appears to have been only added back to my XXXX credit history on around XX/XX/year>, under a different fraudulent address shortly after I reported the loan. 
( XXXX ) the original loan documentation with a signiture. 

Affirm, Inc. inaccurately insists that the original address used for obtaining the loan, either XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX or XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY, is accurate on my credit report, despite my never having lived at either address. Consequently, XXXX refuses to remove the fraudulent address because Affirm, Inc. claims the account is legitimate. Now I can't get it removed from my credit history because Affirm Inc. refuses to report the account as fradulent. Furthermore, XXXX temporarily removed this account from my credit history when i originally disputed the item and it was later added back to my XXXX credit history at a later date under a different address ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ) I am confident that further investigation will reveal that this purchase is not associated with me. Despite my efforts to resolve this matter directly with Affirm , Inc., they continue to request that I sign into an Affirm account to view loan details an account I do not have. I believe Affirm , Inc. lacks sufficient procedures to detect fraudulent activity and address errors on credit reports. Since XXXX, I have spent countless hours attempting to resolve this issue, only to face additional challenges. Affirm, Inc. 's website does not provide a direct contact number, and when I did manage to speak with someone, I was directed to fill out forms on their website that were inaccessible. When I requested these forms be emailed to me, I only received links to the same non-functioning pages. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation