Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11584975
Complaint Overview
Complaint ID: 11584975
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: North Carolina
ZIP Code: 28376
Date Received: 2025-01-16T12:00:00-05:00
Date Sent to Company: 2025-01-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To date, you have failed to adequately investigate these disputes or provide any substantiated evidence that supports the accuracy of this information. Your inaction and disregard for my rights under the FCRA are not only unacceptable but also illegal. You have placed positive payment history for XXXX but reported the account as a charge off for the year of XXXX and XXXXYou are in violation of law 15 U.S.C 6802. If you do not immediately delete the disputed information listed above from my credit report, I will be left with no option but to file a lawsuit against your organization for willful noncompliance with federal law. This will include claims for : Violation of the Fair Credit Reporting Act. Defamation of character due to the reporting of false information. Damages for financial and emotional distress caused by your negligence. I demand a written confirmation that the erroneous information has been permanently removed from my credit report within 15 days of receipt of this letter. Failure to do so will result in my immediate commencement of legal proceedings. Please be advised that I will also be filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office. Additionally, I will seek compensation for all legal fees, costs, and damages incurred as a result of your noncompliance. This is not a request but a final demand for immediate action. You have an obligation to ensure the accuracy of the information you report. I trust you will take this matter seriously and rectify the situation without further delay.
Frequently Asked Questions
What is Complaint #11584975 about?
Complaint #11584975 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 2025-01-16T12:00:00-05:00.
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.