Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Affirm , Inc . 
Affirm Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IMMEDIATE DEMAND FOR REMOVAL OF FALSE LATE PAYMENTS FROM CREDIT REPORT FINAL NOTICE BEFORE LEGAL ACTION To Whom It May Concern, I am writing to formally dispute two late payments reported on my credit file by Affirm ( Account # XXXX ) for the months of XXXX and XXXX of 2025. These entries are inaccurate and must be removed immediately, as they stem from an account that I neither knowingly opened nor authorized.

Upon noticing the unfamiliar account on my credit report, I contacted Affirm in XXXX and requested a full investigation into the matter. On XX/XX/XXXX, I received an email from Affirm stating they WOULD NOT furnish information to the credit bureaus while the investigation was ongoing, which will be included. Yet, they proceeded to do so anyway, violating both their own written statement and federal laws. 

In XXXX, I contacted Affirm again to follow up on the investigation. I was told the account was verified as mine. I agreed to pay {$150.00} immediately, under the explicit understanding that the late payments would be removed from my credit report. And I will contact the creditor on my own, to figure out what was going on. However, upon conducting my own inquiry, I discovered that the account had been unintentionally created by my XXXX daughter for a classroom purchase without my consent. So I called Affirm and explained that it was my daughter who made the purchase without my consent and I will just pay the balance in full, to ensure that the late payments will be removed. And the lady I spoke to from Affirm, agreed. Despite my compliance and good faith, you failed to uphold this agreement.

In light of the facts, your reporting of these late payments is not only factually incorrect but also a violation of federal law. Specifically : 15 U.S. Code 1666b Requires creditors to provide adequate time for payment before reporting delinquencies.

15 U.S. Code 1637b Mandates clear procedures for resolving disputes involving unauthorized use.

15 U.S. Code 1681s-2 Imposes obligations on furnishers to accurately report and promptly correct inaccurate information.

As per the Fair Credit Reporting Act, I am demanding : 1. Immediate deletion of the late payment entries from my XXXX  credit report.

2. Written confirmation of the deletions.

3. A full investigation into how an account created by a minor without legal capacity was allowed to be verified in my name. 

If this matter is not resolved by removing the XXXX and XXXX late payments from XXXX  credit report within 15 days of receipt of this letter, I will take the following actions without further notice : 1. File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ).

2. Initiate legal action against Affirm, seeking full damages as allowed under 15 U.S. Code 1681n and 1681o, including for reputational harm, emotional distress, and any damage done to my pending home loan.

3. Pursue all available civil remedies, including attorney fees and punitive damages for willful noncompliance. 

I am attaching a copy of your XX/XX/XXXX email for reference. This is your final opportunity to correct this harmful, false reporting before legal consequences follow. 

Act accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation