Consumer complaint received 2025-03-17 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: OH

Complaint narrative:
On XX/XX/year>, I discovered an unauthorized account reported by Affirm IncXXXX on my XXXX credit file. I immediately contacted Affirm to inquire about the creation of this account and request its proper deletion, yet Affirm has failed to respond or provide any supporting documentation verifying the legitimacy of the account. Despite multiple attempts to obtain clarification, Affirm has ignored its legal obligation to investigate and resolve this dispute in compliance with the Fair Credit Reporting Act ( FCRA ). 
Affirm Inc. Is Reporting an Unauthorized Account in Violation of the FCRA 1. Affirm Inc. Is Furnishing Information Without a Legal Basis Under 15 U.S.C . 1681b, a data furnisher must have a valid permissible purpose to access and report information to a consumers credit file. I have never applied for credit, authorized any transactions, or signed any agreement with Affirm Inc . Since Affirm has been unable to provide a contract or any evidence that I authorized this account, it must be considered inaccurate and unverifiable. 
2. Failure to Investigate in Compliance with 15 U.S.C. 1681s-2 ( b ) Under the FCRA, Affirm Inc. is legally required to conduct a reasonable investigation within 30 days of receiving a consumer dispute. However, Affirm has failed to respond to my inquiry regarding the creation of this account or provide any supporting documentation. This constitutes a direct violation of 15 U.S.C. 1681s-2 ( b ) and renders the account unverifiable and subject to deletion.

3. Affirm Inc.s Failure to Respond Mirrors the Non-Compliance of Other Data Furnishers This case follows a pattern of data furnishers failing to comply with FCRA-mandated investigation requirements, similar to the cases against XXXX and XXXX XXXX XXXX XXXX XXXX XXXX continued reporting unverifiable data without proper investigation. Just as those furnishers were held accountable for non-compliance, Affirm Inc. must be required to delete this unauthorized account for failure to verify its accuracy.

Modifying or Deleting an Unauthorized Account Does NOT Violate Any Industry Standards Affirm Inc. may attempt to claim that they " must '' continue reporting the account, but this is legally incorrect. Removing an unauthorized tradeline does NOT violate : The Fair Credit Reporting Act ( FCRA ) The FCRA requires accurate and verifiable reporting, not the preservation of unauthorized accounts. If an account can not be verified, it must be deleted.

Consumer Data Industry Association ( CDIA ) Metro-2 Guidelines These guidelines require accurate reporting but do not mandate the retention of disputed, unverifiable, or fraudulent accounts.

Affirms Data Furnisher Agreement with Experian Data furnishers must correct or remove inaccurate or unverifiable data, not maintain it without consumer consent. 
Conversely, continuing to report an unverified account violates the FCRA and exposes Affirm XXXX to legal liability. 
This Accounts Presence Violates the Law of Equity Even though this account reflects positive payment history, its continued presence on my credit file is fundamentally inequitable. 
I did not authorize or open this account, yet I bear the risk of its reporting. 
Affirms refusal to investigate leaves me vulnerable to potential fraud or misuse of my identity. 
Under equitable principles, a furnisher should not be permitted to retain a tradeline without legal authorization or verification.

Company response to consumer: Closed with explanation