Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I am submitting this response as part of a new CFPB case, because previous case number XXXX was closed without a lawful or adequate resolution. The closure of the prior case did not resolve the underlying issue, as the fraudulent tradeline remains on my credit reports and continues to cause harm. 

I do not agree with the companys response, and it does not resolve my complaint. 

FAILURE TO ADDRESS IDENTITY THEFT IN A PRIOR CLOSED CASE In the prior case ( XXXX ), the company failed to properly address my identity theft dispute and instead relied on internal records and explanations that do not prove consumer authorization. Closing the prior case without deleting the fraudulent tradeline does not correct inaccurate credit reporting and does not comply with federal law. 

This new case is necessary because the company continues to report an account that I do not own and that was reported to the Federal Trade Commission ( FTC ) as identity theft. 

INTERNAL RECORDS DO NOT OVERRIDE IDENTITY THEFT PROTECTIONS The companys response relies on internal transaction history, payment activity, and account details. This does not establish that I opened or authorized the account. Fraudulent accounts often show activity because they were used by a third party. 

The company has not provided : A signed contract or application Proof of identity verification at account opening Proof that I personally authorized the loan Proof that the account is not the result of identity theft Without this documentation, continued reporting is improper. 

IMPROPER SHIFTING OF BURDEN TO THE CONSUMER The company states that I must complete additional internal webforms or submit further evidence before it will investigate. This is improper in an identity theft case. 

Once an FTC Identity Theft Report is submitted, 15 U.S.C. 1681c-2 ( FCRA 605B ) requires that fraudulent information be blocked and deleted, unless the furnisher can prove the account is legitimate. The burden is not on the consumer to repeatedly resubmit information while inaccurate reporting continues. 

CONTINUED REPORTING IS CAUSING ONGOING HARM Because the tradeline remains on my credit reports : I am falsely represented as having defaulted on a loan A charge-off and collection status remain visible to lenders My credit score continues to be negatively impacted I am treated as a higher-risk borrower for an account I never opened This harm persists solely because the company has not applied identity theft protections. 

REFERRAL TO COLLECTION AGENCIES DOES NOT RESOLVE CREDIT REPORTING ERRORS The companys instruction to contact a third-party collection agency does not address the issue. This complaint is not about collection communicationit is about false and inaccurate credit reporting. 

Cease-and-desist or collection handling does not correct a fraudulent tradeline. 

WHAT REMAINS UNRESOLVED IN THIS NEW CASE Despite the prior case being closed : The fraudulent tradeline remains on my credit reports Charge-off and collection reporting remain intact Identity theft blocking has not been applied No proof of authorization has been provided For these reasons, the matter remains unresolved and required the filing of this new case. 

WHAT I AM REQUESTING CFPB ASSISTANCE WITH I am requesting CFPB assistance to ensure that the company : Blocks and deletes the fraudulent tradeline under FCRA 605B Removes all charge-off and collection reporting Ceases reporting this account to all credit bureaus Provides written confirmation of deletion Stops requiring additional consumer action for identity theft correction I am not requesting payment options, settlement, or cease-and-desist. 
I am requesting full deletion of a fraudulent account. 

CONCLUSION I am creating this new case because prior case XXXX was closed without resolving the inaccurate reporting. The companys response continues to rely on internal records, ignores identity theft protections, and leaves harmful information on my credit reports. 

Until the tradeline is removed and deleted, this issue remains unresolved.

Company response to consumer: Closed with explanation