Consumer complaint received 2024-03-23 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: SC

Complaint narrative:
Congress has made it clear 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 nonpublic personal information. I have reasonable cause to believe this transaction was conducted knowingly and intentionally in bad faith. It is the purpose of TILA to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I have reasonable cause to believe the bank used their undue influence to induce me into an adhesion contract. The bank acted in bad faith and has been unjustly enriched as a result of undue influence. Due the banks failure to maintain the integrity of my nonpublic personal information, my consumer credit reputation has been jeopardized due to punishment for the nonrepayment of an extension of credit. Congress has also stated that unfair credit reporting undermines public confidence, which congress has made clear, is essential to the continued functioning of the banking system. I have never been explained my right to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties. I did not authorize, nor consent to nor would I ever knowingly consent to the furnishing of any negative information to any nonaffiliated third parties. This fraudulently furnished negative information causes a restraint of trade and commerce and violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act XXXX FTC ACT and RICO Act. Any payments made on this account were a result of threat, duress, and coercion. I hereby disaffirm any alleged agreement or contract between I, the consumer, and the bank, whether implied or explicit. Any agreement between I and the bank was a result of undue influence. Please provide me with documentary evidence of the obligors indebtedness. Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. The bank, as the creditor, may not collect any disputed amount. As a federally protected consumer, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing. Additionally, charge-off accounts are considered income and income is not to be reported on any consumer report. Affirm is in violation of several codes and CFR 's and willfully using a third party to keep me from being able to use my consumer credit. The bulk of these violations are covered under 5 U.S. Code 552a,15 U.S. Code 1681 12 CFR 1016.1 and IRS Publication 4681

Company response to consumer: Closed with explanation