Consumer complaint received 2025-10-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
What happened : My identity was stolen at XXXX XXXX XXXX XXXX XXXX ( XXXX  ) on XX/XX/XXXX. Unknown person ( s ) used my personal information to open at least two accounts through Affirm : An Affirm Virtual Card / XXXX  account for {$170.00} and an Affirm Credit Card charge for {$100.00}. I made legitimate Affirm purchases on XX/XX/XXXX and XX/XX/XXXX, totaling {$260.00} and paid that account in full and on time. I disputed the two unauthorized accounts with Affirm on XX/XX/XXXX, but Affirm continued collection demands, required me to make payments on accounts I did not open, and threatened to report the accounts to XXXX, XXXX, and XXXX. I have filed a police report and completed the FTC Identity Theft Affidavit. I request the CFPB forward this complaint to Affirm and publish a redacted description of my experience. 
Timeline of Events XX/XX/XXXX : I made legitimate purchases totaling {$260.00} through Affirm and paid in full and on time. XX/XX/XXXX : My identity was stolen at XXXX XXXX XXXX XXXX XXXX ( XXXX  ). XXXX XXXX, XXXX : Two unauthorized Affirm accounts appeared : 1 ) Affirm Virtual Card / fictitious XXXX account {$170.00} 2 ) Affirm Credit Card account {$100.00} XX/XX/XXXX : I called Affirm to dispute both accounts. XXXX XXXX : Despite my dispute, Affirm continued to demand payment, refused to close the accounts, and continue threatened payments credit reporting. 

XX/XX/XXXX : My credit score has dropped due to Affirms reporting of fraudulent accounts. I have placed credit freezes with all three bureaus and filed a police report and FTC Identity Theft Affidavit. 
Attached Documentation Police report ( XXXX  identity theft, XX/XX/XXXX ) FTC Identity Theft Affidavit Screenshots of Affirm accounts and disputed transactions Proof of payment for legitimate XX/XX/XXXX purchases Credit freeze confirmations from XXXX, XXXX, and XXXX  Communications with Affirm ( XX/XX/XXXX call and follow-ups ) Bank statements showing disputed charges and account closures Attached Documentation Police report ( XXXX  identity theft, XX/XX/XXXX ) FTC Identity Theft Affidavit Screenshots of Affirm accounts and disputed transactions Proof of payment for legitimate XX/XX/XXXX purchases Credit freeze confirmations from XXXX XXXX and XXXX  Communications with Affirm ( XX/XX/XXXX call and follow-ups ) Bank statements showing disputed charges and account closures Major Affirm Class Action Lawsuits : A Complete Overview 1. Affirm Data Breach Class Action ( XXXX ) 2. Securities Fraud Class Action Lawsuit 3. Buy Now, Pay Later Deceptive Practices Lawsuit Understanding the Affirm Data Breach Lawsuit What Happened in the Cyberattack? 
Who Is Affected by the Data Breach? 
Legal Arguments in the Data Breach Case Securities Fraud Allegations : What Investors Need to Know Core Allegations Against Affirm Impact on XXXX XXXX XXXX Current Status of Securities Litigation Buy Now, Pay Later Consumer Protection Lawsuit Allegations of Deceptive Marketing Impact on Consumers Legal Implications and Potential Outcomes Data Breach Lawsuit Potential Settlements Securities Litigation Potential Outcomes Consumer Protection Case Implications Your Rights and How to Participate Data Breach Lawsuit Participation Securities Fraud Lawsuit Participation Consumer Protection Case Participation Expert Analysis : Industry Impact and Precedent Fintech Industry Implications Precedential Value Protecting Your Rights and Interests For Affirm Customers For AFRM Investors Frequently Asked Questions What is the Affirm class action lawsuit about? 
Who is eligible to join the Affirm data breach lawsuit? 
How much compensation could I receive from these lawsuits? 
What information was exposed in the Affirm data breach? 
When did the Affirm data breach occur? 
Is the Affirm securities fraud lawsuit still active? 
What are the main allegations in the securities fraud case? 
How do I join an Affirm class action lawsuit? 
Do I need a lawyer to participate in these class actions? 
What should I do if I think I was affected by the Affirm data breach? 
Can I still use Affirm services while the lawsuits are pending? 
What is the timeline for resolution of these lawsuits? 
Are there deadlines for joining these lawsuits? 
What happens if Affirm settles these lawsuits? 
Staying Informed and Taking Action Monitoring Case Developments Protecting Your Financial Interests Industry Outlook and Future Implications XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation