Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
This complaint is against Affirm Loans Inc and XXXX Credit Bureau. I have made multiple attempts to resolve these debts and filed disputes with XXXX showing that the information is not correct and the accounts shouldn't have been charged off without success. XXXX continues to side with Affirm stating they abide to FCRA guidelines however Affirm is in the wrong and no consumer should be treated this way. According to the following Fair Credit Reporting Act ( FCRA ) key laws and sections they are both currently in violation by not updating the accounts to the correct status : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers ( banks, collectors, lenders ) can not report information that they know or should know is inaccurate.

If you pay a charge-off and they continue reporting a balance due, thats inaccurate reporting.

15 U.S.C. 1681s-2 ( a ) ( 2 ) Furnishers must update and correct information that is no longer accurate. 

Once a balance is paid, they have to update it to show XXXX balance or paid/settled. 

15 U.S.C. 1681e ( b ) Credit reporting agencies must ensure maximum possible accuracy.

If they display a charge-off as unpaid after payment, they violate this requirement.

15 U.S.C. 1681i ( FCRA 611 ) Gives you the right to dispute inaccuracies.

If you dispute a paid charge-off showing an open balance, the bureau must investigate and correct it.

Below are the accounts with Affirm Loans Inc- My husband got hurt in XX/XX/2025 and I began working with Beyond debt resolution to handle the debts that I had which included the Affirm accounts below- I was told not to contact Affirm and they would handle the negotiations. Beyond reached out to Affirm multiple times to negotiate on my behalf however they were never contacted. I never received any actual letters in the mail from the company stating that they were going to charge off my accounts. I finally took matters into my own hands to reach out to all parties to make the payments since I understand these are my debts to pay however I have made multiple attempts to resolve the issues without success. When contacting Affirm you have to go through multiple phone prompts in an automated system to even get someone on the phone who you can barely understand to discuss your accounts and then are placed on hold multiple times or told that it will take 3-5 business days for a resolution as I'm lectured on how my accounts are past 120 days and the charge offs won't be removed. I am also told it takes 60 days for it to report and I don't have 60 days- I need this resolved asap to renew my license for my job. The collection companies I have dealt with in this matter resolving these accounts have been more pleasant, cooperative and less frustrating to work with which is very surprising because normally collection agencies are the difficult ones to deal with. I would never recommend any consumer deal with Affirm and after my debts are resolved I will never return. 

Account # XXXX Charged off XX/XX/2025 Amount $ XXXX # XXXX Amount {$520.00} -These XXXX were sent to XXXX Collections- I reached out to XXXX and they stated they not longer have the accounts and they were sent back to Affirm and provided me a letter on XX/XX/2025 on the following dates which I provide to Affirm multiple times XXXX left the XXXX office on XX/XX/2025 XXXX left the XXXX office on XX/XX/2025 I have made XXXX calls and sent emails to Affirm " XXXX customer service email requesting that the charge offs be removed and also asked how I can make payments to resolve these debts however I continue to get told to send the letter to their customer service email and it will take XXXX business days. I was finally told that they needed to speak with someone from XXXX directly so I reached back out again to XXXX to ask them for help on XX/XX/2025. They escalated to their customer care team and said it would take XXXX business days to reflect on Affirm ' XXXX end. The dates emails were sent are the following : XX/XX/2025, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone calls were also made to Affirm XX/XX/2025, XX/XX/2025, and XX/XX/2025 with no resolution. 

* I was finally able to make payments for both accounts and pay them off XXXX These accounts are showing paid in full on Affirms side however they are still showing charged off on my Experian credit report when they should be showing paid in full. 

Account # XXXX off XX/XX/2025 XXXX $ XXXX This account was sent to XXXX XXXX XXXX agency. XXXX XXXX worked out an resolution on XX/XX/2025 for {$500.00} and the final payment was sent XX/XX/2025 for {$460.00}. The final payment has reflected on Affirms side however my credit report still shows as charged off on my Experian credit report and should show paid in full. 

Account # XXXX Charged off XX/XX/2025 Amount $ XXXX This account was sent to XXXX XXXX XXXX Collections and XXXX XXXX on XX/XX/XXXX in the amount of {$110.00}. This account is showing paid in full on Affirm 's side however the account still shows charged off on my Experian Credit Report and should show Paid in Full. 

Account # XXXX off XX/XX/2025 XXXX {$2200.00}. This account was also sent to XXXX collections however I was able to make multiple payments on this account. {$1500.00} was paid XX/XX/2025 and {$740.00} was paid on XX/XX/2025. This account is showing paid in full on Affirms side however the account is still showing as charged off and should show paid in full on my Experian credit report.

Company response to consumer: Closed with explanation