Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Email : XXXX Phone : XXXX Social Security Number : XXXX XXXX : XXXX Drivers License Number : XXXX Expiration Date : XX/XX/XXXX Issuance Date : XX/XX/XXXX Date : XX/XX/XXXX To : Affirm Loan Services XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Assistance XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Dispute of Fraudulent Credit Inquiries and Identity Theft Since XXXX Dear Affirm Loan Services and XXXX, I am writing to formally dispute unauthorized credit inquiries and inaccurate information on my credit report. Since XXXX, I have been a victim of identity theft, resulting in numerous fraudulent inquiries on my credit file. These unauthorized actions have caused me significant financial strain, hindered my ability to secure credit approvals, and violated my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Federal Trade Commission ( FTC ) guidelines. 

I have reviewed my credit report and identified several fraudulent inquiries and entries that I did not authorize, consent to, or apply for. Under the FCRA and state codes of Indiana, I demand that you investigate and remove all such fraudulent accounts, inquiries, and discrepancies. As a consumer, I am entitled to the protections afforded by these laws, and it is your legal obligation to ensure the accuracy and integrity of the information on my credit report. 

To verify my identity and assist in your investigation, I am providing the following information : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX Social Security Number : XXXX XXXX : XXXX Drivers License Number : XXXX ( Exp : XX/XX/XXXX ; Issued : XX/XX/XXXX ) Given the severity of this matter, I also request that XXXX representatives or staff members responsible for handling identity theft and fraud-related issues closely monitor my credit report and prevent any further unauthorized activities. Ongoing discrepancies put me at risk of further financial harm, including denial of credit approvals, car loans, or business funding under my legal and unique identity. 

My credit score as of XX/XX/XXXX is XXXX, which I believe is inaccurately low due to the fraudulent inquiries and accounts. I request the removal of all unauthorized inquiries and fraudulent accounts and ask that my score be updated accordingly. I also request an updated copy of my corrected credit report. 

If additional documentation is required, please inform me immediately. I have attached a copy of my credit report with disputed items highlighted and any supporting documentation, including my drivers license details and other identity verification items. 

Please note that failure to resolve this matter promptly and in accordance with the FCRA and Indiana state laws will leave me with no choice but to escalate this issue, including filing complaints with the FTC and other relevant regulatory authorities. I expect a resolution within 30 days, as mandated by law, and request written confirmation once corrections have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation