Consumer complaint received 2025-05-27 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: GA

Complaint narrative:
CEASE AND DESIST LETTER XX/XX/year> AFFIRM XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX To Whom It May Concern : This letter serves as my formal demand that AFFIRM CEASE AND DESIST all further communications with me and immediately cease all credit reporting activities relating to any alleged accounts in my name. 

NOTICE OF DISPUTE AND DEMAND TO CEASE CREDIT REPORTING I am writing to dispute information that your company has reported to credit reporting agencies. Based on the enclosed credit report information from XXXX  dated XX/XX/year>, I have reason to believe your company may be reporting inaccurate or unverifiable information about me to the credit bureaus. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies are prohibited from reporting information that they know or have reasonable cause to believe is inaccurate. 

Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 8 ) and 1681s-2 ( b ), upon receiving notice of a dispute regarding the accuracy of information provided to a consumer reporting agency, you are required to : 1. Conduct an investigation with respect to the disputed information 2. Review all relevant information provided by the consumer reporting agency 3. Report the results of the investigation to the consumer reporting agency 4. If the investigation finds the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which you furnished the information Until such time as you have conducted a proper investigation, I demand that you place a dispute notation on any accounts you are reporting to the credit bureaus and/or completely suppress reporting the account during the investigation period, as required by law. 

CEASE ALL COMMUNICATIONS Additionally, pursuant to my rights under federal debt collection laws, I demand that you cease all communications with me regarding any alleged debt. Should your company claim to have a legal basis for contacting me, please provide complete documentation establishing : 1. Proof that you are licensed to collect debts in XXXX 2. The complete chain of title proving you are the legal owner of any alleged debt 3. A complete accounting of the alleged debt including all payments, credits, and itemized charges 4. Validation of the debt pursuant to the Fair Debt Collection Practices Act ( if applicable ) NOTICE OF POTENTIAL VIOLATIONS Be advised that I have documented what I believe to be violations of various federal and state consumer protection laws, including but not limited to : - Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) - Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) ( if applicable ) - XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( if applicable ) - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have 30 days from receipt of this letter to : 1. Cease all credit reporting of information pertaining to me 2. Remove any previously reported negative information from all credit reporting agencies 3. Provide written confirmation that you have taken these actions 4. Cease all communications with me except to confirm compliance with this letter LITIGATION WARNING Please be advised that I am prepared to pursue all available legal remedies, including seeking monetary damages, if you fail to comply with this demand. The FCRA provides for statutory damages of up to {$1000.00} per violation and actual damages, plus punitive damages for willful noncompliance, as well as costs and attorney 's fees. 

This letter serves as your legal notice to maintain all records and communications, including all electronic data and communications related to this account, as they may be required as evidence in litigation. 

This is an attempt to resolve this matter amicably. However, I will not hesitate to pursue legal action if necessary to protect my rights. 

Sincerely, XXXX XXXX-

Company response to consumer: Closed with explanation