Consumer complaint received 2024-02-16 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: MI

Complaint narrative:
Investigation of the said Account " Affirm ''. Please be advised it indicates through the CFPB ; that I should not provide personal information, such as account number and etc. Therefore " Affirm '' shall not disclose my non-public information, including transaction amounts and account numbers as well as Eye do not give " Affirm '' consent to display my non-public information as Eye have requested within previous " CFPB reports ''. " Affirm violates the rights of my privacy within " The Privacy Act of 1974 '', being recorded. The following information is being provided for the CFPB, FCRA and any litigation that may be taken. 

XXXX does not own the account in question. The current creditor placed the account, including the consumers contact information, with us and we loaded it into our system. The above is the process the collection agency " XXXX '' advises it takes in some cases. The collection agency " XXXX '', is located in XXXX, KS. According to Michigan licensing, a collection reporting agency has to be licensed in the " State of Michigan ''. After visiting XXXX website, it provided a toolbar to lookup the states that they are Authorized to do business in, Michigan was not one. Further information also provided to myself that the company is not licensed in Michigan. XXXX also provides that they do not report to any of the credit bureaus. If the consumer has questions regarding credit reporting, they advise they suggest they reach out directly to the current creditor or the credit reporting agencies. " Affirm '' alleges the account was sold to " XXXX '', but " XXXX XXXX collection agency '' advises they do not report to a consumer report. As indicated within my consumer report it shows the account is in collections. " Affirm '' is falsely reporting this account and if this account is sold why is " Affirm '' still reporting the account to my consumer report. The reporting agency " XXXX '' is in violation as well inaccurately verifying the above information and continuing to verify an alleged debt with " Affirm '', when " Affirm '' no longer has the account. This information of " Affirm '' not having the account was provided to me on a recorded call on, XXXX XXXXThe account " Affirm '' has been also " charged off '' meaning it is income. According to the IRS income must be reported for the purposes of filing taxes. " Affirm '' is in violation and has in their efforts lied to furnish my consumer report incorrectly. This is no longer a request, this is a demand that both " Affirm '' accounts be removed from my consumer report effective immediately. Eye am requesting compensation for the above and any damages that may have accrued from this overall process " Affirm '' is in violation of several U.S codes and the reporting per the FCRA. Every CFPB report has been recorded and evaluated based off of their response to these disputes within the past months. I do not care about what the total amounts were or the dates of any transaction that this company continues to provide in Affirm efforts to cover up the truth. I will highlight " Affirm no longer has the account and regardless to this being a third-party company ; " XXXX '' that they have sold the alleged debt too, " Affirm still does not have authorization to report inaccurate information to my consumer report, especially if another company has the account and advises it does not report to the " Credit reporting agency 's '' ( XXXX ). " Affirm '' does not have permission to sell my personal information.

Company response to consumer: Closed with explanation