Consumer complaint received 2024-08-23 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone : XXXX Email : XXXX **Date : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX **Subject XXXX ** Request for Verification of Accounts -- - Dear XXXX, Under the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), you are required to verify the accounts reported on my credit report through the physical verification of the original signed consumer contract. This is crucial for maintaining the accuracy and legitimacy of the information reported. 

I am requesting verifiable proof for the following accounts listed on my credit report. Specifically, I require the original consumer contract with my signature for each account, as mandated by the FCRA. The inability to provide this verification has negatively impacted my credit. 

Please verify or remove the following accounts immediately : XXXX. **Account Number : ** XXXX **Date Opened : ** XX/XX/2024 **Nature of Dispute : ** Fraudulent Account ( Identity Theft ) **Explanation : ** This account was deceitfully opened in my name. I have no involvement with this account. Please review the attached FTC Identity Theft Affidavit and police report for verification. 

XXXX. **Account Number : ** XXXX **Date Opened : ** XX/XX/2024 **Nature of Dispute : ** Fraudulent Account ( Identity Theft ) **Explanation : ** This account was established without my authorization. I have no knowledge or connection to this account. My FTC Identity Theft Affidavit and supporting documentation are enclosed. 

XXXX. **Account Number : ** XXXX **Date Opened : ** XX/XX/2024 **Nature of Dispute : ** Fraudulent Account ( Identity Theft ) **Explanation : ** This account is the result of identity theft and is entirely unknown to me. I have provided my FTC Identity Theft Affidavit along with additional supporting evidence. 

XXXX. **Account Number : ** XXXX **Date Opened : ** XX/XX/2024 **Nature of Dispute : ** Fraudulent Account ( Identity Theft ) **Explanation : ** This fraudulent account was opened without my consent. I have included my FTC Identity Theft Affidavit and other necessary documentation for your reference. 

XXXX. **Account Number : ** XXXX **Date Opened : ** XX/XX/2024 **Balance : ** {$630.00} ( Open, {$54.00} past due as of XX/XX/2024 ) **Nature of Dispute : ** Fraudulent Account ( Identity Theft ) **Explanation : ** This account was established without my authorization. I have no knowledge or connection to this account. Please review the attached FTC Identity Theft Affidavit and supporting documentation for verification. 

If you are unable to provide verifiable proof for these accounts, please remove them from my credit report as required by the FCRA. 

I expect a response within the 30-day period as stipulated by the FCRA. Failure to comply will result in me pursuing further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal recourse. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX - *Enclosures : FTC Identity Theft Affidavit, Supporting Documentation, Proof of identity and address* **XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Email : XXXX **Date : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- - **Subject : ** Request for Verification of Accounts -- - Dear XXXX According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts reported on my credit report. This ensures the accuracy and legitimacy of the information you report. 

I am requesting verifiable proof of the following accounts listed on my credit report. Specifically, I demand to see the original consumer contract with my signature for each account, as mandated by the FCRA. The failure to provide this verification has adversely affected my ability to obtain credit. 

Please verify or remove the following account immediately : XXXX. **Account Number : ** XXXX XXXXDate Opened : ** XX/XX/2024 **Balance : ** {$630.00} ( Open, {$54.00} past due as of XX/XX/2024 ) **Nature of Dispute : ** Fraudulent Account ( Identity Theft ) **Explanation : ** This account was established without my authorization. I have no knowledge or connection to this account. Please review the attached FTC Identity Theft Affidavit and supporting documentation for verification. 

If you can not provide verifiable proof of this account, please remove it from my credit report as required under the FCRA. 

I expect a response within the 30-day period as stipulated by the FCRA. Failure to comply will result in me pursuing further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal recourse. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX - *Enclosures : FTC Identity Theft Affidavit, Supporting Documentation, Proof of identity and address* -- -

Company response to consumer: Closed with explanation