Consumer complaint received 2024-04-11 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:
I had an account with ( AFFIRM ) and currently ( AFFIRM ) is still reporting negative derogatory XXXX ITEM INFORMATION on my credit report to all 3 credit reporting agencies ( XXXX, XXXX XXXX, XXXX ). I attempted to opt out with Affirm reporting on my account on 2 different occasions through email XX/XX/2024 and XX/XX/2024 I was ignored. I called Affirm on XX/XX/2024 and it was a hassle to get a representative and even then they did not comply with me opting out. 
According to 15 U.S. Code 1681c Requirements relating to information contained in consumer reports. 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 antedates the report by more than seven years. A derogatory mark is considered as an adverse item of information and it should not be on my credit report from the quoted US code above! I stated this to AFFIRM and they have ignored me. 

As of today XX/XX/2024 for the 3rd time per the FCRA as a federally protected consumer Im now opting out of any and all authorization I the consumer may have given ( AFFIRM ) : written/unwritten, verbal/nonverbal this is effective immediately and indefinitely to report any and all my private nonpublic information. Per 15 USC 6802 : ( A ) a financial institution may not directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803. ( B ) OPT OUT1 In General : A financial institution may not disclose nonpublic personal information to a non-affiliated party unless ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option ( Nonpublic information ) - means personally identifiable financial information, provided by a consumer to a financial institution resulting from any transaction with the consumer of any service performed for the consumer otherwise obtained by the financial institution, Affirm has failed to provide me with any notice whatsoever continually as they have also reported to a nonaffiliated third party which is ( XXXX, XXXX XXXX, XXXX ). Affirm has and continues to violate my privacy rights as a consumer in reporting negative adverse item information on my credit report and they are now ignoring and not allowing me to opt out from such information being reported. Affirm is causing me according to 15 US code 6801 ( b ) ( 3 ) substantial harm and bringing much inconvenience to me as a customer and consumer in commerce. I request my remedy is that Affirm honors my opt out request immediately and removes and stops reporting all derogatory adverse item information to XXXX, XXXX XXXX, XXXX. 
And since they are willfully being noncompliant and I have to now go through the CFPB I know seek money compensation. 15 US Code 1681n - Civil liability for willful noncompliance. Any person who willfully fails to comply with any requirement imposed under subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. Each derogatory mark are federal law violations and there is currently 13 marks on my credit reports that Affirm continues to report and refuses to remove. I will seek damages of {$13000.00} from Affirm as well as opting out of Affirm reporting all negative nonpublic information including : transaction history, etc.

Company response to consumer: Closed with explanation