Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
Subject : Formal Dispute and Legal Complaint Regarding Alleged Debt with Affirm Inc . 

I am writing to formally dispute any and all alleged debts claimed by Affirm Inc . I do not acknowledge any obligation to Affirm Inc. and assert my rights under the applicable federal laws, including but not limited to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
1. Revocation of Communication Rights Effective immediately, I revoke all permissions for Affirm Inc. to contact me through email, text messages, or phone calls. All future communication regarding this matter must be conducted exclusively via written correspondence to the address provided above. 
2. Request for Documentation To validate their claim, I demand that Affirm Inc. provide the following documentation : A copy of the purchase agreement or assignment between Affirm Inc. and the original creditor. 
Proof that Affirm Inc. is properly licensed and bonded to conduct debt collection activities in my state. 
3. Violations of Consumer Protection Laws I also bring to your attention the following violations committed by Affirm Inc. that infringe on my consumer rights : Failure to Provide Validation Information : Affirm Inc. has failed to provide the required validation information as mandated under 12 CFR 1006.34 ( b ) ( 5 ). Despite this failure, Affirm Inc. has reported this alleged debt to consumer reporting agencies, an action that is unlawful without prior validation. 
Lack of Opportunity to Dispute : Affirm Inc. has not given me the opportunity to dispute the account standing as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
False and Misleading Practices : Affirm Inc. has engaged in false, misleading, and deceptive practices in violation of federal law by attempting to collect an unvalidated debt and furnishing false information to consumer reporting agencies. 
Failure to Provide Required Disclosures : Affirm Inc. has no legal authority to report this alleged debt to consumer reporting agencies without providing all disclosures required by law, as outlined in 12 CFR 1006.34 ( d ). 
Violation of 15 USC 1681s-2 ( a ) : Affirm Inc. is in clear violation of 15 USC 1681s-2 ( a ) ( 7 ) ( A ) by furnishing information to consumer reporting agencies without proper verification or disclosure. 
4. Demand for Immediate Action Until such time as Affirm Inc. provides all legally required documentation and validation, I demand the following actions : Immediate removal of the alleged debt from all consumer reporting agencies. 
Cessation of any further collection efforts. 
Please consider this letter as a formal dispute of the alleged debt and a complaint regarding the unlawful practices of Affirm Inc . I expect the CFPB to investigate this matter thoroughly and ensure my rights are upheld. 
Thank you for your attention to this matter. I look forward to a written response acknowledging receipt of this dispute and outlining the steps to resolve this issue.

Company response to consumer: Closed with explanation