Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I FORWARDED A cease + desist '' order. 

This COMPANY knows this is NOT my ACCOUNT and IT DOES NOT BELONG to ME. 
Its purchases DO NOT forward to MY domiciled ADDRESS.

* * Forward Any + All relevant 1099C 's associated with the said account I am writing to demand the immediate removal of an account that does not belong to me and was never associated with my identity, domicile, or financial transactions. Despite documented evidence and prior communication wherein your company acknowledged the error and agreed to delete the account, it has now remained on my credit report for over twelve ( 12 ) months, constituting multiple violations of federal and state consumer protection laws.

FACTUAL BACKGROUND : The account in question was never opened, authorized, or used by me.

No purchases or correspondence were ever directed to my legal residence.

I submitted formal disputes with proof that the account is fraudulent or misattributed.

Your company confirmed it would be removed, yet it remains reported.

VIOLATED LAWS, REGULATIONS, AND CASE LAW : 1. Fair Credit Rep

orting Act ( FCRA ), 15 U.S.C. 1681 et seq. : 1681i ( a ) Failure to conduct a proper reinvestigation upon dispute. 1681s-2 ( b ) Furnishers of information must correct and update inaccurate or incomplete information after receiving notice of a dispute from a CRA. 1681e ( b ) Failure to ensure the accuracy and integrity of information reported. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Established creditor liability under 1681s-2 ( b ) when a furnisher fails to correct erroneous reporting.

2. Fair Debt Collection Practices Act

( FDCPA ), 15 U.S.C. 1692 et seq. 1692e ( 2 ) ( A ), ( 8 ) Prohibition against fal
se representations of the character or legal status of a debt ; continued communication of false credit information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Furnishing inaccurate information after knowledge of its falsity is grounds for action under FDCPA. 
3. Federal Trade Commission ( FTC ) Policy Guidelines : Per FTC guidance, furnishers must cease reporting any item that they know or reasonably should know is inaccurate.

4.

State Consumer Protection and Defamation Laws : Continued publication of inaccurate, damaging, and false credit data after acknowledgment of error constitutes negligent and/or willful defamation. Emotional distress, economic harm, and credit denials may support claims for civil dam
ages under state tort law.

DEMANDS : 1. Permanent deletion of the false account from all credit reporting agencies.

2. Formal written confirmation of deletion and an apology acknowledging the error.

3. A statement of correction issued to XXXX XXXX, and XXXX.

4. Full documentation of any third parties with whom this false data has been shared.

FINAL NOTICE BEFORE LEGAL ACTION : If this issue is not rectified within seven ( 7 ) business days, I will proceed with the following : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General. 
Seek civil remedies under FCRA and FDCPA for statutory and punitive damages. 
Pursue claims of negligent misrepresentation, defamation, and emotional distress in a court of competent jurisdiction. 

I expect your immediate attention to this matter. Failure to act will be seen as deliberate noncompliance and bad faith. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX

Company response to consumer: Closed with explanation