Problem with a company's investigation into an existing problem: Payday loan, title loan, personal loan, or advance loan

I was recently notified by Affirm that there are two installment loans in my name that I did not authorize. These loans were obtained through identity theft, and I am a victim of fraudulent activity. Upon discovering these accounts, I immediately contacted Affirm and requested that they conduct a thorough investigation. I was informed that the investigation could take up to 30 days to complete and that credit reporting related to these accounts would be suspended during that time. However, after only three days, Affirm informed me that they were unable to determine that I did not authorize the loans and therefore concluded that I would be held responsible for the debt. They further advised that the accounts could be reported negatively to the credit bureaus. I strongly dispute these findings. The investigation appeared to be incomplete and insufficient, particularly given the short timeframe in which it was conducted. I requested copies of all loan documentation, records, and evidence reviewed during their investigation, but this information has not been provided to me. Since learning of this fraud, I have taken immediate action by filing an official police report, reporting the identity theft to the appropriate government agencies, and submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ). Law enforcement is actively investigating this matter. I am extremely dissatisfied with Affirms handling of this case. Despite clear evidence that I am a victim of identity theft, the company has failed to conduct a thorough investigation, has not provided the documentation supporting its decision, and is attempting to hold me financially responsible for debts that I did not incur. I respectfully request a comprehensive review of this matter, the release of all relevant loan documentation, and the removal of any negative reporting associated with these fraudulent accounts while the identity theft investigation remains ongoing.