Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Subject : SECOND NOTICE Formal Dispute & Legal Demand to Delete Fraudulent/Unauthorized Accounts and Correct Illegal Charge-Off Reporting Re : Unauthorized Accounts & Violations of Federal Law AFFIRM INC Account No. XXXX XXXX XXXX XXXX  Charged Off {$170.00} ) AFFIRM INC Account No. XXXX ( Opened XX/XX/XXXX Charged Off {$240.00} ) Dear AFFIRM INC Disputes Dept, This is my second formal written dispute regarding the above two fraudulent and unauthorized accounts that are negatively and unlawfully impacting my credit profile. I sent a letter previously outlining the harm and liability you are causing, yet the accounts remain unchanged in violation of my federal consumer protection rights. 

I did NOT open, authorize, consent to, or benefit from these accounts. 
I never received funds, never made a payment, never gave Affirm Inc permission to use or report information using my Social Security number or identity, and no legally binding contract or consent exists between me and Affirm Inc . I demand that you immediately delete and block these accounts from my credit report and cease all reporting activity, as required by law. 

Legal Violations and Grounds for Deletion 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

1681b ( a ) You must have permissible purpose to access or report my credit. No authorization was given.

1681s-2 ( a ) ( 1 ) ( A ) A data furnisher may not report inaccurate information. These charge-offs, payment histories, and account details are inaccurate and misleading.

1681i You failed to perform a proper reinvestigation of my dispute, despite my prior communication in XX/XX/XXXX. 

1681c-2 ( 605B ) I am asserting identity theft and unauthorized account use. You are required to block all fraudulent information.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e If any part of this account is being collected or was transferred to a collector, be advised : False, deceptive, or misleading representation of a debt is unlawful under 1692e ( 8 ) if you report information you know or should know is false.

Reporting inaccurate " charge off '' balances or " first payment never received '' is misleading and damages my consumer rights under the FDCPA.

3. Uniform Commercial Code ( UCC ) Article 3 and Article 9 UCC 3-501 I have never been properly presented with any instrument of indebtedness. No valid presentment or acceptance has occurred.

UCC 1-308 I reserve all rights without prejudice. You are operating under false presumption of consent.

No signed contract or authenticated agreement exists, which is required to prove debt under UCC Article 9.

4. Inaccurate Data & Reporting Violations Payment history is fabricated ( " First payment never received '' ), which contradicts account terms. 

No accurate proof of payment schedule or validation of the debt has been provided. 

You can not legally " charge off '' a debt if no payment was ever received, and no agreement was formed. 

Reporting continues in violation of FCRA, and you have ignored my previous dispute, triggering potential liability under 1681n and 1681o for willful and negligent noncompliance. 

Case Law Supporting My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) A credit bureau must do more than a superficial investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inaccurate entries resulting from identity theft must be removed when challenged. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Furnishers of information must conduct full investigations after notice of dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to follow reasonable procedures under FCRA creates liability for damages. 

Formal Demands : Immediately delete and permanently block both Affirm Inc. accounts from my credit profile.

Cease and desist from all reporting or sharing of this account, as it is unauthorized and inaccurate.

Provide me with : Full documentation or contract showing I authorized this account.

Proof of application, including IP address, device ID, and verification method. 

Reinvestigation results from the XX/XX/XXXX dispute, including what actions were taken. 

Time-Sensitive : You have 15 days to respond with verification or full deletion. Failure to comply will result in formal complaints to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Office of the Attorney General A possible civil suit under FCRA 1681n/o for actual and punitive damages Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation