the badge is test driver, for gold it says I have to drive 100 different vehicles. my garage has 202 cars in it and I have driven all but 10 of them yet I don’t have this badge. I know its not drive 100 cars in “test drive” mode because I have only driven one car in test drive mode for the achievement and managed to get the silver badge (which is only 50 cars).
Unlocked for me the only ones that didn’t unlock are the max affinity badges for Nissan, McLaren and Dodge.
If you get your mod card and your affinity list says you are at level 25 but the badge didn’t pop try a free play race of 3 laps at Nurburgring, it should catch up. I had the problem with my Chevy, Nissan and Mercedes badges from doing the showcase endurance races for all the xp, one quick race at the ring for each one and they popped. I got the gold badge for driving 100 cars no problem and many of them were not cars I owned (again doing showcases).