Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
XXXX XXXX XX/XX/year> {$3000.00}. I filed a dispute with the company and my reporting bureaus. The company replied that the account was verified but was unable to provide proper documentation to prove my identity or any original contracts. I included this account on an FTC report and forwarded this to all XXXX bureaus and the original creditor. The creditor sold this debt to a third party without my authorization and still claimed this debt on my credit bureaus. I contact them to try and have this resolved to have this information removed from my credit report and they just said that they would escalade this to another department but nothing has been done on their part. This is negatively affecting me in my everyday life and is keeping me from certain things that pertain to my daughters education as well as my business. 
Affirm 11/2024 {$280.00} I filed a dispute with the company and my reporting bureaus. The company replied that the account was verified but was unable to provide proper documentation to prove my identity or any original contracts. I included this account on an FTC report and forwarded this to all XXXX bureaus and the original creditor. I contact them to try and have this resolved and to have this information removed from my credit report. They just said that they would escalade this to another department but nothing has been done on their part. They eep replying that this debt is verified but fail to provide the proper documentation to prove that this debt belongs to me. 
This is negatively affecting me in my everyday life and is keeping me from certain things that pertain to my daughters education as well as my business. 


Affirm XX/XX/year> {$71.00} I filed a dispute with the company and my reporting bureaus. The company replied that the account was verified but was unable to provide proper documentation to prove my identity or any original contracts. I included this account on an FTC report and forwarded this to all XXXX bureaus and the original creditor. I contact them to try and have this resolved and to have this information removed from my credit report. They just said that they would escalade this to another department but nothing has been done on their part. They eep replying that this debt is verified but fail to provide the proper documentation to prove that this debt belongs to me. 
This is negatively affecting me in my everyday life and is keeping me from certain things that pertain to my daughters education as well as my business. 

Affirm XX/XX/year> {$93.00} I filed a dispute with the company and my reporting bureaus. The company replied that the account was verified but was unable to provide proper documentation to prove my identity or any original contracts. I included this account on an FTC report and forwarded this to all XXXX bureaus and the original creditor. I contact them to try and have this resolved and to have this information removed from my credit report. They just said that they would escalade this to another department but nothing has been done on their part. They eep replying that this debt is verified but fail to provide the proper documentation to prove that this debt belongs to me. 
This is negatively affecting me in my everyday life and is keeping me from certain things that pertain to my daughters education as well as my business. 

Affirm XX/XX/year> {$11.00} I filed a dispute with the company and my reporting bureaus. The company replied that the account was verified but was unable to provide proper documentation to prove my identity or any original contracts. I included this account on an FTC report and forwarded this to all XXXX bureaus and the original creditor. I contact them to try and have this resolved and to have this information removed from my credit report. They just said that they would escalade this to another department but nothing has been done on their part. They eep replying that this debt is verified but fail to provide the proper documentation to prove that this debt belongs to me. 
This is negatively affecting me in my everyday life and is keeping me from certain things that pertain to my daughters education as well as my business. 

Affirm XX/XX/year> {$1200.00} I filed a dispute with the company and my reporting bureaus. The company replied that the account was verified but was unable to provide proper documentation to prove my identity or any original contracts. I included this account on an FTC report and forwarded this to all XXXX bureaus and the original creditor. I contact them to try and have this resolved and to have this information removed from my credit report. They just said that they would escalade this to another department but nothing has been done on their part. They eep replying that this debt is verified but fail to provide the proper documentation to prove that this debt belongs to me. 
This is negatively affecting me in my everyday life and is keeping me from certain things that pertain to my daughters education as well as my business.

Company response to consumer: Closed with explanation