Consumer complaint received 2023-10-10
Company: Affirm Holdings, Inc
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I want to start out by saying that I did not request any info from Affirm because everything I can see on their app which is on my phone. 
On XX/XX/, I was notified by XXXX credit reporting that Affirm had marked one of my 2 loans with them as LATE 30 DAYS. It is a loan for XXXX XXXX XXXX. I also was extremely upset because it knocked my credit score down XXXX points!! 
I was like no its not. I proceeded to go into my Affirm app and look into the matter. I saw that on that day, my loan showed ( see attached pics ) that it was only 24 days late as of XX/XX/. Even if this was reported on another day prior to XX/XX/2023, this would have been late even less than 24 days. 
I immediately called Affirm and they told me I was late ... I said no I was not 30 days late on that loan for XXXX XXXX XXXX. it clearly shows as of XX/XX/2023, it was only 24 days late. That app is exact with dates and how long before a next payment is due, or how many days late. I requested that they immediately take care of this and have XXXX correct their mistake and Affirm told me I have to take the matter up as a dispute with XXXX. I was shocked. Here I have proof that Affirm lied about my late payment and they don't even want to help, and I have to do more leg work on their lie because they don't want to deal with this. 
So now on XX/XX/2023, I filed a dispute with XXXX against Affirm. 
This dispute was nothing short of a headache. XXXX claims on their dispute form that they can not accept any pictures unless they are in a XXXX  format. So, I had to go in to change the pictures all from a XXXX XXXX XXXX ... then it still would not let me submit them and said I must submit pictures in Black and white only. 
Phones take color pictures not black and white. I worked diligently trying to find a way to submit my pictures in XXXX XXXX XXXX  for them. I submitted and I don't know but they wrote back saying that they still could not see my pictures and I would have to mail in all kinds of personal information to them via mail and to include my social security card copy and ID copies as well. I am sorry but we live in a very crazy world right now and I was always told NOT to mail any personal info EVER. 
Well, I did try to resubmit, and they said they still can not see my pics being its what they wanted ( pictures in Black and white and in XXXX XXXXormat. ) I honestly don't know what else to do but I have proof that I was NOT LATE 30 DAYS on XX/XX/2023. This is what their app says in my screenshot on my phone with the date and time stamp! 
XXXX needs to see this info so I need your help to show and tell them that you can see the obvious proof that my account was NOT 30 DAYS LATE when they reported it to be, and it was only 24 days late and again that was on their APP! 
PLEASE SEE ALL PICTURES ATTACHED TO SEE THAT AFFIRM IS WRONG AND XXXX NEEDS TO SEE WHAT WAS SHOWING ON THE AFFIRM APP THAT VERIFIED IN MY DEFENSE THAT MY ACCOUNT WAS INDEED NOT 30 DAYS LATE BUT ONLY 24 DAYS LATE SO IT SHOULD NOT HAVE BEEN REPORTED AND XXXX NEEDS TO ADJUST MY CREDIT REPORT AND ADD ON MY XXXX POINTS BACK TO MY ACCOUNT. 
I can not submit any documents to XXXX as proof, so I am counting on your agency for an IMMEDIATE resolution in this matter. 
****PLEASE NOT THERE ARE 6 PICTURES ATTACHED FOR YOUR REVIEW AND TO SHOW I AM INNOCENT IN THIS MATTER OF INCORRECT REPORTING AND XXXX NEEDS TO BE SHOWN THIS AND TOLD THIS BY YOU***** The system of XXXX is very outdated in submitting any information. It keep rejecting everything I sent to them! 

Thank You, XXXX

Company response to consumer: Closed with explanation