Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing in to dispute improper and invalid reporting on my credit report by the company, Affirm, claiming I have a delinquent payment. Affirm is a buy now, pay later credit company. I was on automatic payment withdrawals and never missed a payment nor was late. 

This negative reporting to my credit was not only inaccurate, it was illegal. 

I was disputing charges through my bank, XXXXXXXX XXXX  with the Affirm company regarding an issue I had with a product I purchased with one of the companies they represent. It is unlawful for a company to report anything to a credit bureau that may negatively impact a consumers credit rating while a dispute is in process.

I tried to settle the matter first with the manufacturer of the item I purchased from and they refused to honor the refund after saying they would in writing and then stopped responding to my emails. As a result, I made a dispute via XXXX. Since the payments were made to Affirm, the amounts in dispute were credited back to my checking account by XXXX while they investigated the charges with Affirm until the matter was resolved, as is the practice of XXXX. 

As soon as the charges were reversed and credited to my account the day I started my dispute on XX/XX/2022, Affirm immediately turned around and reported me delinquent to the credit bureaus. 

Specifically, they reported my XX/XX/2022 payment late/delinquent, which it was not. Furthermore, XXXX found in my favor regarding those charges and officially kept the funds in my XXXXXXXX XXXX  account. ( Please see attached letters from XXXX as proof ). 

During the period of this dispute Affirm was texting me relentlessly telling me I had a payment past due and that I was delinquent. I was so concerned about it negatively impacting my credit, I paid the {$65.00} just to cover myself. ( please see attached document showing the loan paid in full and closed in XX/XX/2022 ). 
But, it was too late, they had already reported me and the damage was done. 

Affirm actually owes me for the payment of {$65.00} because XXXX won the dispute in my favor and I was not obligated to pay Affirm for anything more. 

I have attached the two letters from XXXX as proof that I won those credit disputes, my XXXX bank statement as further proof that my payment to Affirm for the month of XXXX was made and made on time and my bank statement for XXXX showing the payment of {$65.00} was made even though I wasn't obligated to pay that. 

To add insult to injury, as of XX/XX/2022 they just reported me 60 days delinquent. I don't owe this company a cent and now my credit has been negatively impacted drastically. ( see attached document proving my loan was paid in full ). 

My credit score was over XXXX before all o this with not a missed payment in over a decade. Today it sits at XXXX. 

This company engages in many shady and fraudulent practices. There are hundreds upon hundred of ordeals consumers have had to endure with this company. Theyve been reported to the XXXX  and I am pursuing a lawsuit against them and the manufacturer of the item I purchased. 

I am requesting that this false reporting on my credit be removed. As a consumer, I have a right to dispute charges without fear of it negatively impacting my credit. Im a responsible consumer and have not missed a payment on any of my accounts in over a decade. 

Thank you for your time and attention. 
Sincerely, XXXX XXXX