Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I am filing this complaint against XXXX  for maintaining inaccurate Affirm Inc. account information on my credit report in violation of the Fair Credit Reporting Act.

I have three Affirm Inc. accounts on my XXXX credit report that contain materially contradictory information and appear to violate Affirm 's own credit reporting policies. These accounts should be deleted due to the documented inaccuracies and reporting irregularities. 

ACCOUNT SUMMARY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX display contradictory information that is logically impossible. Both accounts show " Account Status : Paid '' indicating the loans have been satisfied, yet simultaneously show " Payment Status : Late 30 Days '' and " Late 60 Days '' respectively. 

This is a fundamental data contradiction. A paid account can not have a current payment status of " Late. '' If the account is paid and closed, the Payment Status field should reflect a final status, not an active delinquency. Either the Account Status is wrong, the Payment Status is wrong, or both fields contain inaccurate information. Regardless, this contradictory data can not be verified as accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was last reported on XX/XX/year>, which is over eight months ago. Account XXXX XXXXXXXX was last reported on XX/XX/year>, over six months ago. If these accounts are paid and closed, there is no legitimate reason for Affirm to continue furnishing them with active delinquency statuses. The failure to update or remove stale data demonstrates a failure in Affirm 's furnishing practices and Experian 's procedures to maintain current, accurate information. 

XXXX XXXX XXXX XXXX XXXX XXXX  VIOLATE AFFIRM 'S REPORTING POLICY According to publicly available information about Affirm 's credit reporting practices, Affirm has stated that their short-term " Pay in 4 '' payment plans are not reported to credit bureaus. The small dollar amounts of these accounts ( {$150.00}, {$200.00}, and {$280.00} ) suggest these may have been short-term payment plans rather than traditional installment loans.

If these accounts were " Pay in 4 '' or similar short-term payment products, Affirm may have violated their own stated reporting policy by furnishing this information to XXXX XXXX request that Affirm verify whether these accounts fall under their non-reporting policy for short-term payment plans. 

4. INCONSISTENT BUREAU REPORTING PREVENTS VERIFICATION Affirm reports only to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  While this may be Affirm 's business decision, it creates a verification problem. When disputed information exists on only one bureau, there is no way to cross-reference the data against other bureau records to verify accuracy. The contradictions documented above can not be verified through standard means because no other bureau has this data. 

5. PREVIOUS DISPUTE DID NOT RESOLVE ERRORS Account XXXX XXXXXXXX shows " Account was in dispute - now resolved - reported by subscriber. '' Despite this claimed resolution, the account continues to report with late payment history from a paid account. If the dispute was properly resolved, why does the account still show derogatory payment history? This notation proves I previously challenged this information, yet meaningful corrections were not made. 

LEGAL BASIS FOR DELETION : Under FCRA Section 607 ( b ), Experian must follow reasonable procedures to assure maximum possible accuracy. Maintaining accounts that show " Paid '' status with simultaneous " Late '' payment status is inherently contradictory and fails this accuracy standard.

Under FCRA Section 611 ( a ) ( 5 ) ( A ), if information can not be verified as accurate after investigation, it must be promptly deleted. The contradictory Account Status and Payment Status fields can not both be accurate. When core data fields contradict each other, the information can not be verified.

Under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), furnishers have a duty to provide accurate information and to correct inaccurate information upon notice. Affirm is furnishing data with internal contradictions and potentially in violation of their own stated policies regarding which products are reported.

Company response to consumer: Closed with explanation