Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11318462
Complaint Overview
Complaint ID: 11318462
Company: Affirm Holdings, INC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Florida
ZIP Code: 33411
Date Received: 2024-12-29T12:00:00-05:00
Date Sent to Company: 2024-12-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Complaint Summary : I am filing this complaint against Affirm for their failure to properly verify account ownership, resulting in the opening of fraudulent accounts using my personal information. This has caused significant financial harm and damage to my credit report. Details of the Complaint : 1. Fraudulent Activity : A fraudulent account was opened with Affirm using my personal information under the name XXXX XXXX XXXX, which is not my legal name. My legal name is XXXX XXXX. I have never authorized or initiated any accounts or activity with Affirm. 2. Identity Theft : I am a victim of identity theft, as documented in my FTC Identity Theft Report and IC3 Complaint. Affirm has failed to investigate or resolve this issue despite clear evidence of unauthorized account activity. 3. Impact on My Credit : This fraudulent account has negatively impacted my credit report, causing significant distress and financial harm. Affirms lack of action violates the Fair Credit Reporting Act ( FCRA ), which requires creditors to investigate disputes and ensure accurate reporting. Desired Resolution : I request the CFPB to compel Affirm to : 1. Investigate and Remove the Fraudulent Account : Immediately investigate and remove all accounts and activity associated with my identity without authorization. 2. Provide Documentation of Account Activity : Affirm should provide evidence of how and when the account was opened, including the identification used. 3. Confirm Resolution in Writing : Affirm must confirm in writing that the fraudulent account has been removed and that I am not liable for any associated charges or obligations. 4. Prevent Future Identity Theft : Affirm should implement stronger identity verification processes to prevent similar issues in the future. Supporting Documents : To support my claim, I am prepared to provide the following : FTC Identity Theft Report IC3 Complaint Report Copy of my government-issued ID confirming my legal name is XXXX XXXX Conclusion : Affirms failure to act on clear evidence of identity theft and fraudulent activity has caused undue stress and harm. I trust the CFPB will ensure Affirm fulfills its obligations under the law and resolves this matter promptly. Please contact me at XXXX or XXXX if additional information is required. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11318462 about?
Complaint #11318462 was filed against Affirm Holdings, INC regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-12-29T12:00:00-05:00.
How did Affirm Holdings, INC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Affirm Holdings, INC?
Yes, visit the Affirm Holdings, INC company profile at readthecomplaint.com/company/affirm-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.