Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
In response to CFPB complaint number # XXXX - XXXX my name is XXXX XXXX, a Federally protected consumer, and I am making this complaint against Affrim Inc. for violating a cease desist notice they received XX/XX/year> and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached a debt validation letter, a cease and desist notice. 
Exhibit XXXX. which is a copy on my XXXX Report consumer report, Exhibit XXXX which is copy of their response to CFPB complaint # XXXX - XXXX and a pdf of an FTC report that will be labeled as Exhibit XXXX  when filing for litigation in XXXX XXXX to this complaint, Affirm Inc stated the loan required a down payment of {$41.00} that was charged off as a result of having an overdue balance for 120 days. Affrim stated if your loan is XXXX or more days overdue some loans may be reported to XXXX as delinquent. If payments is over due, we deserved the right to refer your loan to our third party collection partners including the rights to collect on the account. I never contracted with them and they have no reason to have my identifying information. Also, pursuant 15 USC 1691g ( c ). I have not validated any alleged debt with Affrim Inc and my failure to dispute the validity of these alleged debt shall not be construed as an admission of liability, Affrim IncXXXX stated that attached is documentation of the statements from the original creditor, as well as a breakdown of charges and credits as of todays date XX/XX/year>, I have not validated any alleged debt with receive any documentary evidence, such as a XXXX  contract, giving any right to collect on this alleged debt, It is my belief they are attempting unlawful extortionate means activities and theft by deception by attempting to furnish false and deceptive forms. Affrim also stated they disagree with assertion contained with this complaint related to their handling of the of the complaint. I have never received any documentation requesting validation from Affrim Inc, Before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. Affrim llc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, consumer, prior to furnishing it on my consumer reports, this has been a fraudulently furnished account with Forethought and Malice as an attempt to bring harm to me and my financial reputation. 
15 USC 1693L - waiver of rights 15 USC 6802 - Obligation with respect to disclosure of personal information 15 USC 6802 ( e ) ( c ) 2 direct consent from the consumer 15 USC 6802 ( c ), 1681a ( p ) the law says you was supposed to send it I didnt receive it so I want proof that it was sent and where it was sent too Because I have right under the XXXX  whether this account was supposed to be reported or not. 
15 USC 6801 - Protection of non public personal information 15 USC 1681a ( 4 ) a respect to a consumer right to privacy 15 USC 1681 ( b ) in a manner which is fair equitable to me the consumer how is that if you keep furnishing the negative consumer reports. 
15 USC 1681a ( p ) ( A ) Exhibit ( XXXX  ) is the XXXX report, Exhibit ( XXXX   ) CFPB RESPONSE FROM AFFIRM INC, Exhibit ( XXXX  ) is a FTC report. 



Affrim Inc Account - XXXX - XXXX

Company response to consumer: Closed with explanation