Consumer complaint received 2025-07-14 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: MD

Complaint narrative:
XXXX  has allowed affirm to report to delinquent accounts on my credit report. These accounts were open without my knowledge while I was detained at the XXXX XXXX detention center. I disputed both affirm accounts and provided supporting documents like my XXXX XXXX release ID card with my date, I came in the jail and the date I was released Also provided my Federal Trade Commission identity theft report with Number and most importantly I provided my XXXX XXXX police department identity theft report that included XXXX accounts altogether XXXX of which was removed from being reported on my credit report immediately from all three major credit bureaus, but XXXX  continues to allow affirm to report This fraudulent account. I provided vital information from the police report the officers badge number and name the report number the date of the identity, theft incident, etc. this was good enough to have delinquent collections account that were fraudulently opened removed from all three of my credit reports, but experience continues to allow affirm to violate the fair credit report and act by reporting Inaccurate information on my XXXX credit report which is bringing my XXXX XXXX score down with XXXX  significantly for instance my XXXX XXXX credit score and XXXX credit score or XXXX  to XXXX  points higher than XXXX  that is very odd. XXXX also will not allow me to use their XXXX  booze even though I have more than XXXX paymentson my linked bank account to their XXXX. I feel like XXXX  is doing everything in their power to violate the credit report and act and slander my credit. report which just caused me to lose an opportunity to rent an new apartment. Affirm has been investigating for over XXXX  months. WITH ME BEING XXXX  AT THE TIME THIS AFFIRM ACCOUNT WAS OPENED AND THE FACT I FILED A XXXX CO POLICE REPORT AS SOON AS I WAS AWARE OF THIS FRAUDULENT ACCOUNT SHOULD BE GOOD ENOUGH TO REMOVE/STOP REPORTING THESE AFFIRM ACCOUNTS. AFFIRM CAN NOT VERIFY I OPENED THESE FRAUD ACCOUNT LIKE I REQUIRED PRUSUANT TO FCRA SEC 600,608,611 AND ALL MARYLAND LAW HEREIN MENTIONED OR NOT. I FILED AN COMPLAINT WITH CFPB ON AFFIRM VIOLATING MY LIBERTIES AND THE FCRA ON XX/XX/2025 AND AFFIRM STILL HAS NOT RESPONDED INSTEAD AFFIRM SENT THIS FRAUD ACCOUNT TO COLLECTION TRUE ACORD I DO BELIEVE THEIR NAME IS BUT ADTER I MADE THEM AWARE OF THE SITUATION THEY DID THE RIGHT THING AND PUT THE ACCOUNT ON HOLD AND STARTED A INVESTIGATION. I WILL BE FILING A CIVIL SUIT ON AFFIRM AND XXXX  BECAUSE OF THEM SLANDERING MY CREDIT. I DON'T HAVE AN APARTMENT TO MOVE INTO. 
I AM A VICTIM OF IDENTITY THEFT BUT XXXX AND AFFIRM TREAT ME AS IN THE CRIMINAL HERE BEING PREJUDICE AGAINST ME BECAUSE THEY KNOW IVE BEEN IN TROUBLE BEFORE IN MY LIFE BUT I NEVER BEEN IN CRIMINAL TROUBLE FOR FRAUD OR IDENTITY FRAUD NEVER EVER BUT IVE BEEN A VICTIM OF IT 2 TIMES. THAT'S FIND THAT AFFIRM IS TRYING THERE BEST TO STAY EVEN THOUGH THEIR IS A POLICE REPORT WITH ALL THE DETAILS, I DEFINITELY WILL BE FILING AN CIVIL LAWSUIT ASAP

Company response to consumer: Closed with explanation