Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
I am filing this complaint against Affirm XXXX regarding an account reported under Loan ID XXXX, originally opened on XX/XX/XXXX for a purchase of {$130.00} with a 0 % XXXX XXXX installment plan. The loan was paid in full on XX/XX/XXXX as documented in Affirms own XXXX XXXX XXXX ( attached ). Despite this, Affirm has reported a XXXX late payment to Experian, XXXX my credit profile. 

XXXX. Affirm Failed to Respond to My Direct Dispute Within 30 Days On XX/XX/XXXX, I submitted a formal written dispute and demand for verification of the alleged delinquency, including a request for all billing statements, payment history, and the basis for the reported late payment. This letter was sent by certified mail with return receiptproof of delivery and tracking numbers are attached. 

As of today, Affirm has not responded within the XXXX window as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( a ) ( 8 ). This failure to respond or correct the data constitutes willful noncompliance under 15 U.S.C. 1681n and subjects Affirm to potential enforcement. 

XXXX. Affirm Verified the Same Information With Experian While Ignoring Me Despite ignoring my dispute, Affirm verified the same negative item as accurate with Experian as recently as XX/XX/XXXX, per Experians investigation results ( attached ). This act of verifying without responding to the consumer is a direct violation of 1681s-2 ( b ) and demonstrates intentional disregard for consumer rights.

3. Fraudulent Activity and Identity Theft Surrounding the Alleged Delinquency I have provided a Federal Trade Commission ( FTC ) Identity Theft Report and a XXXX XXXX Police Report ( filed XX/XX/XXXX ) that document confirmed identity theft affecting financial accounts during XXXX, the same period as this alleged delinquency. These reports are attached and invoke my rights under : FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires the blocking of fraudulent information from credit reports upon submission of identity theft documentation. 

Affirm has failed to request or produce the original billing statements that would be needed to validate that the payment behavior attributed to me was in fact mine. 

XXXX. Affirm Violated Its Own Public Policy Regarding Reporting to Credit Bureaus XXXX website clearly states that the XXXX loans originated before XX/XX/XXXX are not reported to Experian. My loan originated on XX/XX/XXXX, yet Affirm chose to furnish data about it to Experian in direct contradiction of its public representation. 

This qualifies as false and misleading business conduct, which violates the FTC Act ( 15 U.S.C. 45 ) and possibly state consumer protection laws related to false advertising and deceptive trade practices. A consumer should be able to rely on a creditors published policies when deciding whether to use a credit product. 
Requested Relief : XXXX deletion of the Affirm account ( XXXX ) from my Experian consumer/credit report, where the false delinquency is reported. 

Blocking of this information under FCRA 605B due to active identity theft status and supporting documentation. 

Enforcement action against Affirm XXXX for : Willful noncompliance with FCRA dispute response requirements ; Verifying unverifiable data ; False advertising and deceptive business practices ; Violating identity theft protection provisions of FCRA. 

XXXX into XXXX credit reporting practices regarding XXXX loans and whether they are consistently misrepresenting their policy to consumers. 

Attached Evidence : Dispute letter sent to Affirm ( certified mail with tracking/receipt ) Affirms Loan Verification Letter dated XX/XX/XXXX ( shows account is Paid in Full ) IdentityIQ credit report ( shows Experian reported XXXX late ) Experian dispute results ( shows Affirm verified in XX/XX/XXXX ) FTC Identity Theft Report XXXX # XXXX ) Police Report from XXXX XXXX Police Dept ( filed XX/XX/XXXX ) Screenshot or archive of Affirms policy stating XXXX XXXX loans XXXX reported and more. 

XXXX XXXX : This inaccurate reporting is harming my credit, making it more difficult to secure housing, start my business, and provide financial stability for my family. I am experiencing emotional distress and reputational harm due to the misreporting of a fully paid, low-value, 0 % loan that should never have been reported in the first place.

Company response to consumer: Closed with explanation