Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I am a natural person and private individual, XXXX XXXX, appearing in my capacity as Trustee and beneficial owner with a filed FTC Identity Theft Report dated XX/XX/XXXX ( Report No. XXXX ). Despite this, Affirm, XXXX, and XXXX XXXX continue to furnish inaccurate and erroneous information about me to consumer reporting agencies. 

Specifically, Affirm and XXXX are furnishing accounts that are fraudulent, unauthorized, and falsely associated with me. These accounts are being reported as charge-offs, which is both inaccurate and unlawful. Reporting charge-offs constitutes the furnishing of income-related information, which IRS publications make clear is only to be reported for federal tax purposes, not consumer credit files. 

XXXX XXXX is likewise furnishing inaccurate and erroneous information on my consumer file, despite my FTC identity theft report and prior disputes. 

These accounts are not mine, are fraudulent, and their continued reporting is damaging to my creditworthiness and reputation. The presence of these accounts on my credit reports is inaccurate, erroneous, misleading, and constitutes unlawful furnishing under the FCRA. 

On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) signed a XXXX XXXX XXXX ( XXXX  ) expressly prohibiting defendants, including furnishers and CRAs, from furnishing or collecting disputed tradelines. That XXXX  remains binding following removal to federal court under XXXX. XXXX XXXX. XXXX XXXX ( c ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ). By continuing to furnish Affirm, XXXX, and XXXX accounts, Respondents are in direct violation of a signed XXXX. 

By furnishing these accounts, Respondents are effectively administering my property without authority and trespassing upon the XXXX XXXX XXXX Trusts equitable estate. This is an invasion of trust property and fiduciary rights that no private entity has lawful standing to administer. 

Violations Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) : Furnishers are required to provide accurate information to consumer reporting agencies and to correct or delete information that is inaccurate or disputed. Affirm, XXXX, and XXXX have failed to do so. 

Failure to honor FTC Identity Theft Report ( 15 U.S.C. 1681c-2 ) : Furnishers must block reporting of information that results from identity theft. These Respondents continue to furnish fraudulent accounts despite notice. 

Unlawful publication of charge-offs : Furnishing charge-off information is misleading and contrary to IRS rules that canceled debt is income for tax purposes only. 

Contempt of Court / Violation of XXXX  : Continued furnishing of disputed accounts after XX/XX/XXXX, is in direct violation of a binding court order.

Trespass / Administration of Property : By furnishing inaccurate accounts, Respondents are unlawfully interfering with Plaintiffs trust property and private rights.

Company response to consumer: Closed with explanation