Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding Affirm , Inc. for failure to properly resolve confirmed fraud and for improperly furnishing inaccurate information to consumer credit reporting agencies, specifically XXXX. 

Background and XXXX XXXX Within the past 1218 months, my phone, wallet, and personal property were stolen from my vehicle, exposing my personal identifying information, access credentials, and authentication methods. This incident was reported to the appropriate authorities, including notification to federal agencies, due to the risk of identity theft and financial fraud. I explicitly requested that my credit profile not be frozen, as I need to actively use my credit for legitimate purposes. 

As a direct result of this theft, multiple fraudulent financial activities occurred across accounts I did not authorize, open, or use. 

Affirm Account Fraud Affirm had previously extended an available Buy Now, Pay Later ( BNPL ) credit line of approximately {$1400.00} to me. When I attempted to legitimately use this account several months ago, I was informed that my account had been blocked for security reasons. 

Upon contacting Affirm, I was told that over {$1000.00} in unauthorized charges had been made using my account at merchants I do not recognize, including foreign and online entities. I immediately disputed these charges as fraud, explained the prior theft of my phone and personal data, and was explicitly told by Affirm that : - The charges were being treated as fraud - I would not be held liable - The matter was being handled internally No further communication was initiated by Affirm after this assurance. 

Improper Credit Reporting Despite this, I have now discovered that Affirm has furnished multiple fraudulent transactions ( three to four entries totaling over {$1000.00} ) to my credit report, appearing on XXXX. These accounts and transactions are not mine, were never authorized, and were already reported as fraud. 

This reporting is factually inaccurate, damaging to my credit profile, and in direct violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : - Furnishing information known to be inaccurate - Failure to properly investigate disputed fraudulent activity - Continued reporting of fraud after notice Requested Resolution I am requesting the CFPBs assistance in requiring Affirm to : 1. Immediately remove all fraudulent Affirm-related tradelines and transactions from all consumer credit reporting agencies 2. Permanently close the compromised Affirm account 3. Provide written confirmation that I bear zero financial liability for these fraudulent charges 4. Cease any further reporting related to these fraudulent transactions I will not pay, settle, or otherwise accept responsibility for debts that are not mine. Affirms handling of this matterand the continued reporting of known fraudappears predatory, negligent, and harmful, particularly given the BNPL systems known vulnerabilities to identity theft. 

Please investigate this matter and ensure immediate corrective action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Next steps ( important ) : - Submit this exact text to the CFPB complaint portal - Upload screenshots of the XXXX  report showing the Affirm entries - After submission, send the same letter to Affirms legal/compliance department - If you want, I can also : - Rewrite this specifically for XXXX  disputes - Add FCRA statute citations- Tighten it further for an attorney-level version If you want it even more aggressive or more clinical/legal, say the word.

Im dealing with may fraud issues but Im getting my attorney involved at this point you can let them know that big company screwing the little one when my phone codes cards all lost and told them this

Company response to consumer: Closed with explanation