Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8625357
Complaint Overview
Complaint ID: 8625357
Company: Affirm Holdings, INC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: California
ZIP Code: 92110
Date Received: 2024-03-25T12:00:00-05:00
Date Sent to Company: 2024-03-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
There is a personal loan on my credit report from Affirm in the amount of {$10000.00} opened XX/XX/year>. I have no knowledge of this loan, I have never taken a personal loan in such a high amount. Ive recently started checking my credit report for errors a this is an error. I opened a dispute with XXXX to get this error corrected but XXXX ignored my evidence and my statement and within less than XXXX reported back that the account is accurate. I submitted bank statements as proof that my account never received any such deposit. I gave a detailed statement that I never opened that account. My fico score isnt high enough to get a {$10000.00} personal loan. It seems to me that the investigation ignored all the obvious evidence that this is not my loan account. I can also submit bank statements proving that the alleged loan repayments XX/XX/year> never took place. XXXX knows this to be true since I have had an account on their app since before XXXX. Along with my XXXX XXXX account linked to it. Any real investigation would have shown what Im saying is true.
Frequently Asked Questions
What is Complaint #8625357 about?
Complaint #8625357 was filed against Affirm Holdings, INC regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-03-25T12:00:00-05:00.
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.