Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am submitting this complaint regarding Affirm Inc because a derogatory account associated with this company is appearing on my credit reports even though I do not own this account, I never authorized it, and I have never received any documentation proving that the account belongs to me. This account has caused measurable harm, including damage to my credit reputation and multiple credit denials. Because Affirm has failed to produce validation or documentation, and because their continued reporting has created serious concerns about identity theft, I filed an identity theft report with the Federal Trade Commission, as I do not own this account. The purpose of this new complaint is to request proper investigation, verification, and regulatory intervention because Affirm has not fulfilled its legal obligations during the dispute process. 

What happened is a long sequence of events demonstrating that Affirm has failed to validate, investigate, or substantiate the account they are reporting. The first time I ever saw or heard anything about this alleged Affirm account was when I reviewed my credit report and found a derogatory entry from Affirm. Before this discovery, I had never received a statement, notification, billing request, payment reminder, delinquency notice, or account creation confirmation from Affirm. I did not apply for an Affirm account. I did not authorize one. And because the account does not belong to me, I filed an FTC identity theft report to protect myself and to document formally that I do not own this account. 

Because the Affirm account was unfamiliar and appeared without prior contact or notice, I immediately disputed it with the consumer reporting agencies. I explained that I do not own the account, that I had no record of ever opening an Affirm line of credit, and that Affirm needed to provide documentation proving the account was legitimate. I specifically requested copies of any contract or application, identity verification records, purchase receipts, transaction histories, electronic authorization logs, and any evidence linking me to the alleged account. Affirm failed to provide any of these documents. 

Despite my dispute, the credit bureaus notified me that Affirm verified the account. However, this so-called verification did not include any supporting documentation whatsoever. Affirm did not send me a contract. They did not send me an application. They did not send me any identity verification information. They did not send device logs, IP address information, email confirmations, or purchase receipts. They provided no evidence that the account was created by me or used by me. 

Affirm continued to verify the account through automated processes without providing documentation that any reasonable investigation had occurred. When a consumer disputes an account, the furnisher must conduct a reasonable investigation, which includes reviewing underlying documentsnot merely responding through the automated XXXX platform. Affirms repeated verified responses without providing proof strongly suggest that the investigation Affirm performed was superficial, incomplete, and not compliant with the legally required standard. 

I again emphasize : I do not own this account, and I filed an FTC identity theft report because Affirm has not shown any proof that this account belongs to me. The FTC report was necessary to document the possibility that someone else may have used my information without authorization or that Affirms system matched my identity incorrectly. 

Affirm never reached out to me with any questions, never requested additional information, and never contacted me to ask whether I opened this account. They did not request identification documents. They did not verify my identity with me directly. They did not send me information about the dispute. They simply continued to report without validation. This is unacceptable, especially when a consumer clearly reports that the account does not belong to them. 

Because Affirm did not provide any documentation, I have no way of evaluating the origin of the alleged account. Affirm has not shown : Any application submitted under my identity Any login history showing access from my device Any evidence of XXXX or email verification sent to me Any signed agreement or acknowledgment Any communication logs Any billing records Any notifications of missed payments Any indication that I was ever contacted A financial obligation can not be validated through assumptions. It must be validated through documented evidence. Affirm has refused, or is unable, to provide such evidence. 

Affirms failure to provide documentation also raises the possibility of identity theft, which is why I filed an FTC report affirming that I do not own this account. When a consumer files such a report, furnishers are required to follow identity theft blocking procedures. That includes blocking the account from reporting unless and until the furnisher can provide accurate and complete documentation proving the consumer is responsible. Affirm has not followed this process. 

Affirm is also required to send the consumer copies of any documentation used to verify the account after a disputebut they have not provided anything. They have not even acknowledged my requests for validation documents. Their silence and lack of documentation reinforce my position that the account is not mine. 

Because Affirm continued to furnish negative information, my credit score has been negatively affected. The derogatory account appears in my credit history and has led to denials of credit applications and reduced financial opportunities. I have received adverse action notices citing the presence of a derogatory collection or delinquency from Affirm. These consequences have occurred even though I do not own the account and despite the fact that Affirm has not provided any proof that I do. 

The information Affirm is reporting also appears inconsistent with what legitimate Affirm customers experience. When someone uses Affirm for purchases, they receive multiple communications and digital confirmations, including : Confirmation emails App notifications Repayment schedules Purchase history logs Monthly statements I have received none of these because I do not own an Affirm account. Affirm has never provided these documents to me either, which reinforces that they have no evidence connecting me to the alleged debt. 

Another major issue is that Affirm did not notify me before furnishing negative information to credit bureaus. Under federal law, a furnisher must provide notice before reporting a delinquency. Affirm did not provide any such noticeno letter, no email, no communication of any kind. Reporting derogatory information without required notice violates consumer protection laws and further supports my claim that the account is not legitimately mine. 

Additionally, Affirms reporting includes dates that do not align with any events in my financial records. There are no purchases, no loan agreements, no repayment attempts, no payment failures, and no contact from merchants or Affirm representatives. Without any documentation or timeline supporting the alleged account, Affirms reporting is unverified and inaccurate. 

I must highlight again : I filed an FTC identity theft report because this account is not mine, and Affirm has not provided evidence proving the contrary. When identity theft is involved or suspected, the law requires Affirm to : Block the account Stop reporting Provide documentation Conduct a thorough reinvestigation Affirm has done none of these things. Instead, they have allowed the derogatory entry to continue harming my credit. 

Because Affirm has failed to provide documentation, has ignored validation requirements, and has furnished derogatory data without evidence, the only reasonable conclusion is that this account is inaccurate, unverified, and improperly attributed to me. Affirm must remove the account from my credit reports immediately. 

To summarize : I do not own this account. 

I filed an FTC identity theft report because I do not own this account. 

Affirm has not provided any documentation linking me to this account. 

Affirm has not performed a reasonable investigation. 

Affirm has not provided the original contract, application, identity verification information, or transaction history. 

Affirm did not notify me before reporting derogatory information. 

Affirm has continued to report the account despite lack of validation. 

The derogatory reporting has caused credit harm and financial loss. 

Affirm has ignored regulatory requirements regarding identity theft disputes. 

Affirm has provided no evidence proving this account belongs to me. 

For these reasons, I request CFPB intervention. 

I am asking the CFPB to require Affirm to : Provide full documentation proving the account is mine or delete it permanently. 

Provide evidence of identity verification used at account creation. 

Provide transaction history, billing statements, contractual agreements, and authorization records. 

Provide compliance records showing whether notices were sent to me before reporting. 

Provide documentation used in their dispute reinvestigation. 

Block all reporting under identity theft procedures until proof is provided. 

Remove all negative entries immediately if they can not provide proof. 

Because I do not own this account and because I filed an FTC identity theft report, Affirm must either validate the account with proper evidence or completely delete it.

Company response to consumer: Closed with explanation