Consumer complaint received 2025-11-18 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: MA

Complaint narrative:
I am the victim of identity theft and mixed-file errors involving fraudulent accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and Affirm/XXXX XXXX XXXX Both furnishers are reporting accounts that I did NOT open, authorize, apply for, or benefit from. These accounts were created using fraudulent addresses that I have never lived at, including : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX  My actual and permanent address is : XXXX XXXX XXXX, XXXX XXXX XXXX I did not authorize, sign, or submit any applications to XXXX XXXX or Affirm, and I never received any goods, services, credit lines, or funds from these companies. I have no relationship with either of these accounts. 

I filed multiple disputes with the credit bureaus ( XXXX XXXX XXXX XXXX XXXX explaining that the accounts are fraudulent and tied to addresses that do not belong to me. I submitted extensive supporting documentation, including : Identity Theft / Identity Mismatch Affidavits My FTC Identity Theft Report Proof of my real address Fraudulent address evidence 623 ( a ) ( 8 ) Direct Disputes to XXXX XXXXXXXX and Affirm Police identity theft statement 605B Identity Theft Block requests 611 ( a ) Reinvestigation requests Despite this, all three CRAs returned generic verified as accurate responses. None of the CRAs provided a Method of Verification as required under FCRA 611 ( a ), and none addressed the fraudulent address mismatch or mixed-file issue. 

XXXX XXXX and Affirm also failed to conduct a lawful and reasonable investigation under FCRA 623 ( a ) ( 8 ) and 623 ( b ). Both companies refused to provide : The address used on the original applications The email and phone number used IP address, device ID, and geolocation Application data or fraud-screening logs Any signed documents or contracts Any authentication or identity verification evidence The only verification that occurred appears to be an automated XXXX  response, not a legitimate identity investigation. The companies also updated my correct address ( XXXX XXXX XXXX ) ONLY after skip-tracing for collection purposesnot because it appeared on any original application. This confirms the account does NOT belong to me.

Both furnishers and all three CRAs are in violation of : FCRA 607 ( b ) Duty of maximum possible accuracy FCRA 611 ( a ) Duty to reinvestigate and provide MOV FCRA 623 ( a ) ( 8 ) Direct dispute investigation FCRA 623 ( b ) Furnisher investigation duties FCRA 605B Identity theft block requirements These incorrect accounts continue to damage my credit and cause ongoing harm. I am requesting that the CFPB require XXXX XXXXXXXX, Affirm, XXXX XXXX, and XXXX  to : Delete the fraudulent XXXX XXXXXXXX and Affirm accounts from my file Remove the fraudulent addresses ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) Provide a complete Method of Verification. 

Provide identity verification documentation. 

Stop all reporting and collection activity. 

Correct my personal identifying information. 

I have made good-faith efforts for over two years, but the companies have failed to comply with federal law. I would like to ask the CFPB to help ensure that the fraudulent accounts are deleted and that my credit file is corrected.

Company response to consumer: Closed with explanation