Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
AFFIRM INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX TO WHOM IT MAY CONCERN, This notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information 15 U. S. Code 6802 ( b ) -Obligation With Respect To Disclosures Of Persona Information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the CONSUMER, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the CONSUMER is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

I am writing this letter to DISPUTE the following ACCOUNTS FROM THIS COMPANY : 1 ) AFFIRM INC., ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX, BALANCE : {$2200.00} ... 2 ) AFFIRM XXXX, ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX, BALANCE : {$120.00} ... 3 ) AFFIRM INC., ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX, BALANCE : {$160.00} ... 4 ) AFFIRM INC., ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX, BALANCE : {$150.00} ... 5 ) AFFIRM INC., ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX, BALANCE : XXXXXXXX 6 ) AFFIRM INC., ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX, BALANCE : XXXXXXXX XXXX 7 ) AFFIRM INC., ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX, BALANCE : XXXXXXXX XXXX 8 ) AFFIRM INC., ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX, BALANCE : XXXXXXXX XXXX  9 ) AFFIRM INC., ACCCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX, BALANCE : XXXX This agency is in violation of the 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT must be DELETED from my CONSUMER credit report IMMEDIATLY...

I DEMAND the following ACCOUNTS listed BELOW be UPDATED to PAID/NEVER LATE OR PAID AS AGREED IMMEDIATLY ACCOUNT NAME : 1 ) AFFIRM INC., ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX, BALANCE : {$2200.00} ... 2 ) AFFIRM INC., ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX, BALANCE : {$120.00} ... 3 ) AFFIRM INC., ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX, BALANCE : {$160.00} ... 4 ) AFFIRM INC. , ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX, BALANCE : {$150.00} ... 5 ) AFFIRM INC., ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX, BALANCE : XXXXXXXX 6 ) AFFIRM INC., ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX, BALANCE : XXXXXXXX XXXX 7 ) AFFIRM INC., ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX, BALANCE : XXXX ... 8 ) AFFIRM INC., ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX, BALANCE : XXXX XXXX 9 ) AFFIRM INC., ACCCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX, BALANCE : XXXXXXXX

Company response to consumer: Closed with explanation