Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
I am writing to file a formal complaint against XXXX, for its repeated failure to properly investigate my disputes, provide any documentation of proof, or correct the incorrect information. My disputes are regarding invalid names listed on my report, incorrect late payments listed for several accounts, and duplicate hard inquiries that occurred for the same purpose of obtaining a mortgage. 

XXXX  refuses to remove incorrect names listed. My ONLY name is XXXX XXXX. I have demanded that XXXX  remove any name in their system that does not match this and they have repeatedly refused to do so. 

The specific XXXX  report hard inquiries in question are : XXXX XXXX XXXX. Date of inquiries : XX/XX/XXXX and XX/XX/XXXX. Both inquiries occurred for the sole purpose of obtaining a mortgage. 

XXXX XXXX XXXX Bank refuses to correct the account status of account number XXXX. The account is falsely reporting late payments, and is inaccurately listed as XXXX. Per the agreed upon settlement terms, this account should either be deleted or corrected to " NEVER LATE AND PAID IN FULL. '' According to the Fair Credit Reporting Act ( XXXX  ) and common credit scoring models like XXXX and XXXX, inquiries related to rate shopping for loans such as mortgages, when occurring within a certain time frame, should be treated as a single inquiry. Specifically, FCRA XXXX ( XXXX U.S.C. XXXX ) states : ( a ) Reinvestigations of Disputed Information ( XXXX ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX  has demonstrably failed to conduct a reasonable and proper investigation and reinvestigation of this matter. As such, I am requesting that the Consumer Financial Protection Bureau direct XXXX  to remove the duplicate inquiries. 

I reviewed my records and found that the XXXX XXXX account late payments listed for account number XXXX and XXXX are inaccurate. XXXX XXXX approved a hardship agreement for each account, which was fulfilled, as I made the payments and continued to make payments even though I remained unemployed. I provided the XXXX  XXXX Hardship Agreement letters, my Unemployment Compensation Eligibility Determination letter, and payment confirmations as evidence to XXXX. 

I have made multiple attempts to dispute this incorrect information with Experian, and each time my disputes have not been improperly handled. Most recently : XX/XX/XXXX : I submitted a dispute to XXXX  requesting an investigation into the incorrect account status for AFFIRM account numbers XXXX and XXXX, and Capital XXXX account number XXXX and XXXX. Experian responded the same day, refusing to correct or remove them, and failed to provide any documentation. 
XX/XX/XXXX : I submitted a dispute to Experian requesting an investigation into the incorrect account status for XXXX XXXX account numbers XXXX and XXXX, and XXXX Bank account number XXXX. Experian responded refusing to correct or remove them, and failed to provide any documentation. 
XX/XX/XXXX : I submitted a dispute to Experian requesting an investigation into the incorrect account status for XXXX XXXX account numbers XXXX and XXXX. Experian responded refusing to correct or remove them, and failed to provide any documentation. 
In each of my disputes, I provided comprehensive supporting documentation, including a copy of my credit report with the disputed information highlighted, creditor correspondence, and a detailed written explanation of the issue. Despite the clear evidence and my repeated attempts, Experian has refused to conduct a proper investigation, provide any documentation, or remove the incorrect information as required by the FCRA. 

Per XXXX XXXX. XXXX, you must investigate this issue. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), XXXX v. XXXX Bank of Massachusetts, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), and XXXX v. XXXX XXXX Bank, XXXX XXXX XXXX ( XXXX Cir. XXXX ), courts stressed fixing such errors. 
Data furnishers must certify all aspects of the required FCRA and XXXX XXXX compliance. 
Furthermore, in XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court highlighted that consumer reporting agencies must promptly remove information that is inaccurate or can not be verified. This case establishes a clear precedent that unverifiable information, such as the incorrect details on my report, must be corrected or deleted. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and direct Experian to delete the incorrect information

Company response to consumer: Closed with explanation