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: NY

Complaint narrative:
I am submitting this detailed statement to explain what happened regarding all Affirm accounts currently appearing on my credit reports, which I have formally disputed and identified as fraudulent accounts created through identity theft. I have filed an FTC Identity Theft Report, and I have followed all required steps under federal law to notify Affirm, the credit bureaus, and related entities that these accounts do not belong to me, were not created or authorized by me, and must be removed under the Fair Credit Reporting Act ( FCRA ) and all corresponding identity theft provisions. 

This narrative describes the full timeline of events, the harm caused, the steps I have taken, the failures on Affirms end, and the specific facts demonstrating that I did not open, authorize, benefit from, or even recognize any of these Affirm accounts. They are the direct result of identity theft, and I am requesting full removal from my credit file.

1. How the Fraud Was Discovered I first became aware of these Affirm accounts when I reviewed my credit reports and noticed multiple entries showing open or past due buy-now-pay-later accounts, all referencing Affirm as the creditor. These entries appeared without my knowledge or consent, and I had never created an Affirm profile, used Affirm to make a purchase, or authorized anyone to do so on my behalf. 

The accounts showed : Unknown balances Purchase details I did not recognize Due dates I had no connection to Multiple separate accounts under Affirm, none of which I initiated Reporting histories inconsistent with my actual financial behavior Past-due notations that were entirely fraudulent The mere presence of these accounts immediately indicated identity theft, because I have never used Affirm or any BNPL ( buy now pay later ) service. 

XXXX. I Have Never Used Affirm or Authorized Anyone to Use Affirm To clarify : I have never applied for an Affirm loan. 

I have never created an Affirm login or account. 

I have never linked any bank account, debit card, or credit card to Affirm. 

I have never agreed to Affirms terms of service. 

I have never purchased merchandise or services using Affirm. 

I have never received notifications, bills, emails, text messages, or account alerts from Affirm. 

There is absolutely no financial relationship between me and Affirm. These accounts were created entirely without my knowledge or authorization. 

XXXX. The Accounts Were Created Through Identity Theft After identifying the fraudulent entries, I immediately began investigating and discovered clear indications of identity theft : Accounts opened using my personal information but not by me Payment histories that do not match my spending behavior Purchase merchants that I have never engaged with Locations, patterns, or device activity inconsistent with my lifestyle No legitimate documentation connecting me to the accounts This shows someone used my identity potentially my name, partial Social Security number, or other personal details to fraudulently open Affirm loans and obtain goods or services in my name. 

Because the accounts were opened by an unknown third party, I have no control over them, and I can not be held responsible for the resulting charges or derogatory credit reporting. 

XXXX. I Filed an Official FTC Identity Theft Report To fully comply with federal requirements and to document the crime, I filed an official FTC Identity Theft Report, which confirms : I am a victim of identity theft The Affirm accounts were not opened by me I did not authorize the transactions I did not receive any items or services associated with these fraudulent accounts The FTC report is formal legal evidence that these accounts are the result of identity theft and must be removed under FCRA 605B, which protects victims of fraud from being punished through credit reporting. 

XXXX. I Notified the Credit Bureaus and Followed All Required Procedures Following the FTC identity theft filing, I took additional required steps : Contacted XXXX XXXX XXXX XXXX  to dispute all Affirm entries Submitted supporting documentation, including my FTC identity theft report Requested immediate blocking of all fraudulent Affirm accounts Added a fraud alert to my credit file Requested reinvestigations by all bureaus According to the FCRA, once a person submits an FTC identity theft report, the bureaus must block the fraudulent information unless the furnisher ( Affirm ) provides verified and authenticated documentation tying the accounts to the actual consumer. 

Affirm has no valid proof because I never opened these accounts. 

XXXX. Affirm Failed to Provide Valid Account-Level Documentation Despite my disputes, Affirm was unable to produce : A signed loan agreement Proof of my affirmative consent to any transaction Device verification logs confirming that I opened the accounts IP address logs tied to my actual devices or location Two-factor authentication or identity verification records Evidence of any payments made from my accounts Proof that I received goods or services Because the accounts are fraudulent, Affirm can not provide any real, verifiable documentation linking me to them. 

Under federal law, unverifiable accounts can not remain on a consumers credit report. 

XXXX. Affirm Failed to Conduct a Reasonable Investigation A reasonable investigation includes : Reviewing the identity theft affidavit or FTC report Reviewing authentication records for the account Reviewing fraud indicators in their system Comparing address and device patterns Comparing payment method data Providing evidence to confirm consumer responsibility Affirm did not adequately perform these steps. Instead, they issued automated or generic responses that did not consider the evidence, which violates FCRA 623 ( a ) ( 1 ) ( A ) and CFPB guidance stating that furnishers must manually and reasonably investigate claims of identity theft. 

Their failure to investigate allowed fraudulent information to continue harming my credit. 

8. These Affirm Accounts Severely Damaged My Credit Because the accounts were listed as past due or derogatory, they negatively impacted critical components of my credit score : A. Payment History Late payments I never made because I never opened the accounts were incorrectly reported, lowering my score.

B. Derogatory Collection Indicators Derogatory Affirm accounts created false red flags in my credit profile.

C. Credit Decisions Affected Because of these fraudulent accounts, I experienced : Denials for credit opportunities Higher interest rates Unfair credit evaluations Emotional distress and uncertainty I should not face financial harm for accounts created through identity theft. 

XXXX. I Never Received Goods, Services, Benefits, or Funds From Affirm Because these accounts were created by an unknown fraudster : I did not receive merchandise I did not authorize any purchases I did not create repayment schedules I did not receive loan proceeds I did not enter into any contractual agreement The fraudster obtained goods or financial benefit not me. Under the law, I can not be held liable. 

XXXX. These Accounts Must Be Blocked Under FCRA Identity Theft Provisions Under FCRA XXXX, once a consumer submits an identity theft report, credit bureaus must block fraudulent information unless the furnisher provides authenticated proof. 

Affirm can not : Authenticate the accounts Validate my identity on the alleged opening date Provide device-level verification Provide signed agreements Provide digital signature logs Because they can not validate the accounts, the FCRA requires deletion.

11. Affirms Internal Systems Failed to Detect Fraud Buy-now-pay-later companies should have fraud safeguards such as : Identity verification Device fingerprinting Behavioral analytics Suspicious activity detection In this case, Affirms systems failed, allowing a criminal to open accounts in my name with no legitimate verification. 

This failure is not my responsibility and should not be reflected on my credit. 

XXXX. Repeated Disputes Have Been Ignored or Improperly Handled Despite providing clear evidence of identity theft, Affirm : Did not provide meaningful responses Relied on automated XXXX reporting Did not address the fraud indicators Did not comply with the documentation requirements Did not engage in a substantive investigation This forced me to escalate the issue through the CFPB because Affirms dispute handling was inadequate and inconsistent with federal law. 

13. The Fraudulent Accounts Continue to Cause Harm Each Month They Remain Every month these accounts remain : My credit score continues to suffer Lenders continue seeing false derogatory information I continue experiencing financial harm The emotional burden of unresolved identity theft grows My creditworthiness is unfairly compromised Affirms failure to remove these fraudulent accounts prolongs the damage.

14. Affirm Can not Claim Accuracy Without Evidence Accuracy under the FCRA requires : Actual proof Verifiable documentation Consumer authorization Affirm has none of the above.

Reporting unverifiable information violates FCRA 623 ( a ) and is grounds for deletion.

15. Identity Theft Is a Crime And I Should Not Be Penalized for It Identity theft is a serious federal offense. Victims are entitled to : Protection Investigation Removal of fraudulent information Relief from financial harm Holding a victim responsible for fraudulent accounts contradicts the purpose of consumer protection laws.

16. Summary of What Happened To summarize : Multiple Affirm accounts appeared on my credit report that I did not create.

I immediately recognized them as fraudulent.

I filed an FTC Identity Theft Report.

I notified all credit bureaus.

I disputed all Affirm accounts.

Affirm failed to validate or authenticate anything.

Affirm did not produce any documentation proving I opened the accounts.

Affirm conducted inadequate investigations.

The accounts continue to harm my credit.

I do not owe Affirm any money.

These accounts must be removed under the FCRA.

Everything about these accounts points to identity theft, and none of the activity reflects my financial behavior. 

XXXX. What Needs to Happen Now All Affirm accounts must be : Deleted from all credit bureaus Blocked from reinsertion Flagged as identity theft in Affirms internal systems Closed permanently Cease all collection activity Supported with written confirmation stating I owe nothing This is the only lawful and fair outcome based on the evidence. 

Conclusion I am a verified victim of identity theft. 
I did not authorize, open, use, or benefit from any Affirm accounts. 
I have fully complied with all legal requirements by filing an FTC report and disputing these accounts. 
Affirm has failed to validate anything or conduct a proper investigation. 

These accounts are fraudulent, harmful, and unlawful to report. I request full and immediate removal of all Affirm accounts from my credit report and confirmation that I am not responsible for any part of these fraudulent debts.

Company response to consumer: Closed with explanation