Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: SD

Complaint narrative:
Dear CFPB Representative, I am filing this complaint because XXXX  is reporting a 30-day late payment on my Affirm loan ( reference number XXXX ) as of approximately XX/XX/2025. This information is not accurate and, despite my efforts, remains uncorrected.

Summary of My Prior Letter to Affirm : On discovering the reported late payment, I wrote to Affirm, explaining that I have always managed my Affirm accounts responsibly and paid on time. The only exception came about due to a technical issue with the Affirm mobile application : one of my loans did not appear during the payment setup process, which meant I received no notification or opportunity to correct a missed payment until it appeared on my credit report. As soon as I became aware of the problemon XX/XX/XXXX, XXXXI promptly investigated, located the outstanding balance, and paid it without delay.

I explained to Affirm that this incident was not due to neglect but to a temporary interface anomaly within their application. I also stressed the impact of this negative reporting on my professional responsibilities as an XXXX XXXX service member in a high command position, where maintaining a pristine credit profile is critical for ongoing security clearance and career advancement. Given this rare circumstance and my swift corrective action. Affirm has now confirmed in writing via their private message resolution portal - that they did NOT report any negative or delinquent payment remarks to
XXXX  for this loan. However, the late payment continues to appear in my XXXX  file. 

Based on Affirms own formal confirmation, the late payment mark on my XXXX  credit report is inaccurate and must be removed. I respectfully request that the CFPB require XXXX  to correct this error promptly, given the written evidence from Affirm and considering the ongoing professional consequences this derogatory remark could have on my military service and security clearance.

_____________________________________________________________________ Please find below the correspondence between myself and the escalation agent at Affirm. As you will note, XXXX repeatedly failed to address the specific issue I raised and instead provided generic, repetitive responses that appeared to be copied and pasted, rather than engaging with the details of my concern. 
__________________________________________________________________ XXXX XXXX AFFIRMXXXX XXXX XXXX Hello there, This is XXXX from Affirm customer care. I am writing this message in regards to your concern and Im happy to further assist you.

For your concern I will need to escalate this to the relevant for further review and they will give you a follow up email within 3-5 business days.

Thank you for being a valued Affirm customer. If you have any additional questions or concerns, please contact us through the Affirm Help Center at affirm.com/help or by calling us at XXXX. Our customer care representatives are available to take your call between the hours of XXXX XXXX XXXX XXXX XXXX  CT seven days a week.

Thank you for choosing Affirm and have a wonderful day! 

Best Regards, XXXX XXXX. 
Affirm Help Center Download Affirm App YOU ( VIA THE HELP CENTER ) XXXX, XXXXXXXX XXXX __________________________________________________________________ Hello Maam, Thank you for your prompt response and for addressing my concern. I appreciate you escalating the matter to the relevant team for further review. I will await the follow-up email within the next 3-5 business days as mentioned.

Best regards, XXXX XXXX XXXX __________________________________________________________________ XXXX AT AFFIRMXXXX XXXX XXXX Hello XXXX, XXXX from Affirm here. Thank you for your patience as we reviewed information regarding your Affirm loans. I am following up in regards to the reported loan on your credit report. I understand how important it is that your credit report and payments are accurate ; please allow me to provide additional clarity regarding your loan with XXXX, Loan ID : XXXX. 

Looking at your Affirm account, there has not been any negative information reported regarding your loan with XXXX, Loan ID : XXXX. Please understand, Affirm has a regulatory obligation to report a

ccurate information to the credit reporting agencies and can not make an adjustment unless an inaccuracy has been identified. As a result, we have determined that any information shared with the credit reporting agency is accurate. Affirm reports loan details, including payment date, in periodic batches to XXXX. 

Depending on when your payment was made and when we report the information, these details will be updated on your credit report in accordance with the credit bureaus processing timeline. This could take 30-60 days to be reflected on your credit report. You can see payment information by contacting XXXX  to obtain your credit report. 

If you need immediate repayment confirmation, please let us know and we would be happy to provide a loan verification document.

If you have any additional questions or concerns in the meantime, please don't hesitate to respond to this email, visit our Help Center, or call XXXX between the hours of XXXX XXXX XXXX XXXX XXXX XXXX  seven days a week. Were here to help!

Warm Regards, XXXX XXXX. 
Download Affirm app YOU ( VIA THE HELP CENTER ) XXXXXXXX XXXX XXXX ID : XXXX - Incorrect Reporting _________________________________________________________________ Hello XXXX, Thank you for your response regarding my Affirm loan with XXXX, Loan ID : XXXX. However, I must respectfully disagree with your assessment. Your statement that no negative information has been reported appears to be incorrect based on the evidence I have provided and the situation I previously outlined in my mailed letter. In my letter, I detailed a specific issue : there was a glitch in the Affirm app on the day I made payments for my other loans. This glitch caused the loan in question to be entirely absent from the app, preventing me from making the payment at that time. This was not a case of non-payment but rather a technical error on your platform that hindered my ability to fulfill my obligation. Attached are screenshots from my XXXX  account, which clearly show a negative derogatory remark associated with this loan, including a 1 Late Payment notation, a current balance of {$250.00}, and an original balance of {$270.00}, with the status updated as of XX/XX/2025. Additionally, the payment summary indicates a 30-day late payment for XX/XX/2025, further contradicting your claim of accurate reporting.

Given this evidence, it is evident that the credit reporting agencies have received inaccurate information due to the app glitch I experienced. I urge you to reconsider your position and investigate this matter further, taking into account the technical issue that prevented timely payment. I trust Affirm will fulfill its regulatory obligation to correct this inaccuracy and ensure my credit report reflects the true circumstances.

Thank you for your prompt attention to this matter. I look forward to your response. 

Regards, XXXX XXXX YOU ( VIA THE HELP CENTER ) XXXX, XXXX XXXX Please find XXXX  screenshot of the reproting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX _____________________________________________________________________ XXXX AT AFFIRMXXXX XXXX XXXX Hello XXXX, XXXX from Affirm here. Thank you for your patience as we reviewed information regarding your Affirm loans. I am following up in regards to the reported loan on your credit report. I understand how important it is that your credit report and payments are accurate ; please allow me to provide additional clarity regarding your loan with XXXX, Loan ID : XXXX. 

Looking at your Affirm account, there has not been any negative information reported regarding your loan with XXXX, Loan ID : XXXX. Please understand, Affirm has a regulatory obligation to report accurate information to the credit reporting agencies and can not make an adjustment unless an inaccuracy has been identified. As a result, we have determined that any information shared with the credit reporting agency is accurate.

Affirm reports loan details, including payment date, in periodic batches to XXXX. 

Additionally, please see the included Loan Verification and Truth In Lending Agreement documents for your records.

Depending on when your payment was made and when we report the information, these details will be updated on your credit report in accordance with the credit bureaus processing timeline. This could take 30-60 days to be reflected on your credit report. You can see payment information by contacting XXXX  to obtain your credit report.

If you need immediate repayment confirmation, please let us know and we would be happy to provide a loan verification document.

If you have any additional questions or concerns in the meantime, please don't hesitate to respond to this email, visit our Help Center, or call XXXX between the hours of XXXX XXXX XXXX XXXX XXXX XXXX  seven days a week. Were here to help! 

Warm Regards, XXXX XXXX. 
Download Affirm app XXXX XXXX XXXX XXXX XXXX XXXX YOU ( VIA THE HELP CENTER ) XXXXXXXX XXXX XXXX ___________________________________________________________________ XXXX, It seems that you did it look at the attached files I provided. Its actually says AFFIRM reported 30-days on my loan. How can you possibly say affirm did not send this information, when it clearly states otherwise. If thats the case, affirm is in the obligation to correct it. The screenshot images upload says it and it must be correct. I urge this information to be updated to my XXXX  report as in-time and delete what was reported as its inaccurate. 

___________________________________________________________________ XXXX AT AFFIRMXXXX XXXX XXXX  Hello XXXX, XXXX from Affirm here. Thank you for your patience as we reviewed information regarding your Affirm loans. I am following up in regards to the reported loan on your credit report. I understand how important it is that your credit report and payments are accurate ; please allow me to provide additional clarity regarding your loan with XXXX, Loan ID : XXXX. 

Looking at your Affirm account, there has not been any negative information reported regarding your loan with XXXX, Loan ID : XXXX. Please understand, Affirm has a regulatory obligation to report accurate information to the credit reporting agencies and can not make an adjustment unless an inaccuracy has been identified. As a result, we have determined that any information shared with the credit reporting agency is accurate.

Affirm reports loan details, including payment date, in periodic batches to XXXX.

Depending on when your payment was made and when we report the information, these details will be updated on your credit report in accordance with the credit bureaus processing timeline. This could take 30-60 days to be reflected on your credit report. You can see payment information by contacting XXXX  to obtain your credit report.

If you need immediate repayment confirmation, please let us know and we would be happy to provide a loan verification document.

If you have any additional questions or concerns in the meantime, please don't hesitate to respond to this email, visit our Help Center, or call XXXX between the hours of XXXX XXXX XXXX XXXX XXXX XXXX seven days a week. Were here to help!

Warm Regards, XXXX XXXX. 
Download Affirm app YOU ( VIA THE HELP CENTER ) XXXXXXXX XXXX XXXX _________________________________________________________________ XXXX XXXX Its seems that youre not addressing my concerns and did not look at the screenshots attached to the messages. Its seems youre automatically copying and pasting the same message - multiple times. I will now address this in a formal matter to the CFPB and XXXX. 

_________________________________________________________________ XXXX AT AFFIRMXXXX XXXX XXXX Hello XXXX, XXXX from Affirm here. Thank you for your patience as we reviewed information regarding your Affirm loans. I am following up in regards to the reported loan on your credit report. I understand how important it is that your credit report and payments are accurate ; please allow me to provide additional clarity regarding your loan with XXXX, Loan ID : XXXX. 

Looking at your Affirm account, there has not been any negative information reported regarding your loan with XXXX, Loan ID : XXXX. Please understand, Affirm has a regulatory obligation to report accurate information to the credit reporting agencies and can not make an adjustment unless an inaccuracy has been identified. As a result, we have determined that any information shared with the credit reporting agency is accurate.

Affirm reports loan details, including payment date, in periodic batches to XXXX. 

Depending on when your payment was made and when we report the information, these details will be updated on your credit report in accordance with the credit bureaus processing timeline. This could take 30-60 days to be reflected on your credit report. You can see payment information by contacting XXXX  to obtain your credit report. 

If you need immediate repayment confirmation, please let us know and we would be happy to provide a loan verification document.

If you have any additional questions or concerns in the meantime, please don't hesitate to respond to this email, visit our Help Center, or call XXXX between the hours of XXXX XXXX XXXX XXXX XXXX XXXX  seven days a week. Were here to help!

Warm Regards, XXXX XXXX.

Company response to consumer: Closed with explanation