Consumer complaint received 2024-05-21 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: NJ

Complaint narrative:
I am the victim of Identity Theft and have provided an FTC affidavit but XXXX refuses to remove the fraudulent account. I have no knowledge of the accounts and requested XXXX provide me with information regarding their decision and they are violating my consumer rights by refusing to provide me with proof. When I discovered that AFFIRM INC. was reporting a debt on my credit report which I have no knowledge of, I immediately filed a dispute with XXXX. XXXX instructed me to complete a Federal Trade Commission affidavit to report the identity theft. Fair Credit Reporting Act section 605B states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency I submitted the affidavit to XXXX in XX/XX/2024. I was told that the Investigation would take as long as 30 days. XXXX response to my dispute of the fraudulent account was that it came back as Verified. I asked them for the Method of Verification pursuant to FCRA 611 ( a ) ( 7 ) because if someone has stolen my identity and fraudulently used it then obviously the creditor would have my personal information in their file. XXXX has stated to me that they do not actually review documents as proof. XXXX has admitted they dont follow the law. It seems that XXXX merely accepts whatever generic data points that the company says is accurate without investigating the true validity of the debt. XXXX is reporting information which they have not verified to be true. On XX/XX/2024, I contacted AFFIRM INC via certified mail ( See Attachments ) and requested them to lawfully validate the debt by providing me with copies of any alleged agreement/contract they may be using to determine the validity of this alleged debt. I allowed AFFIRM INC 30 days to respond with proof. They refused to respond to me. They are reporting an account on my credit file which should be removed immediately. Ive fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Therefore, with the proof I provided XXXX, this account should be removed. I have included copies of the certified letters and FTC report. On XX/XX/2024, I submitted a letter to XXXX with copies of the letter I sent AFFIRM INC showing that AFFIRM INC has refused to provide me with lawful proof of the alleged debt. I asked for a Re-Verification and request to provide me with the description of the Method of Verification pursuant to FCRA 611 ( a ) ( 7 ) and if no proof can be provided by AFFIRM INC then XXXX is required by law to remove this account from my credit report and AFFIRM INC is required to cease reporting an account which is the result of Identity theft. On XX/XX/2024, I spoke to representatives from the XXXX Fraud department named who identified his self as XXXX XXXX XXXX XXXX and his supervisor whose name was XXXX. I read the federal law which requires that Consumer reporting agencies provide Proof of verification in 15 days. I was told by both reps that this law does not apply to them and I need to contact the AFFIRM. I informed them that I provided proof of contacting AFFIRM and received no response. I gave them lawful notice that if they insisted on not following the law then I have documented proof which I will submit to the court as a civil suit.

Company response to consumer: Closed with explanation