Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
In reference to identity theft, a bogus account, created outside of my knowing Affirm inc. Account number XXXX. Has reportedly been giving false information to the credit agencies as well as third-party affiliates in attempt to prosecute me. as far as XXXX through XXXX instating The implications of the fair credit reporting act 15 USC 1681 section 602 this title states that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness in partiality and respect for the consumers right to privacy XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure that my private information isnt shared which is being back by 15 USC 6801 where it says it is the policy of the Congress, that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers, and to protect the security and confidentiality of those customers non-public personal information affirm incorporated, XXXX, XXXX, and XXXX are a financial institution by definition under the title of 15 USC 1681 section 604 a section 2 this title states that in general subject to subsection C, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other in accordance with the written instructions of the consumer, to whom it relates Affirm incorporated, XXXX, XXXX XXXX, the financial institution, and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information, and they surely do not have my written consent. Any, and all consent to XXXX and XXXX care of Affirm corporate XXXX XXXX XXXX whether it be verbal nonverbal written implied or otherwise is revoked. 15 USC 6 802 B, and C states that a financial institution may not disclose non-public personal information to a non-affiliate third-party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option Affirm in XXXX XXXX and unified never informed me in any way to contact me of my right to exercise my nondisclosure option and thats not it in totality 15 USC 1681 ( a ) ( 5 ) clearly states except as authorized under subsection ( b ), no, consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes, which annotates the report by more than seven years this account is an adverse item they are reporting again without my permission, which is against the law. 15 USC code 1681s-2 ( A ) ( 1 ) there again clearly states that a person shall not furnish any information relating to a consumer to a consumer reporting agency if the person knows or has reasonable cost to believe that the information is in accurate. 15 US code 1681E there in states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title, and to limit the furnishing of consumer reports to the purposes listed under section 1681B of this title XXXX and XXXX are not maintaining reasonable procedures also 12 CFR 1016.7 states that hearing a consumer may exercise the right to opt out at any time I am now opting out of your reporting services

Company response to consumer: Closed with explanation