Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
This statement describes what happened regarding the Affirm Inc. account ending in XXXX, which is currently appearing on my credit report as a derogatory account with a past-due amount and multiple late-payment codes. The purpose of this explanation is to provide a detailed, factual account of my attempts to understand, verify, and resolve the reporting, the actions taken by Affirm, the actions I took, and why the current reporting appears to contain inaccuracies, incomplete information, or verification issues. 

This description includes no personal identifiers and focuses solely on dates, actions, and events. 

1. Discovery of the Affirm Derogatory Account When reviewing my credit report, I noticed that Affirm Inc. was reporting a derogatory account associated with the internal identifier XXXX. The credit report showed : A past-due amount of approximately {$1800.00} A closed status dated around XX/XX/year> Derogatory payment coding, including 30-day, 60-day, and 90-day late payments Reporting visible only on XXXX, not on the other two bureaus Charge-off indications or collection-like status for the balance reported I was concerned because I did not recognize receiving late-payment notices, collection warnings, or billing statements leading up to the derogatory reporting. I also did not receive documentation or confirmation that this account was transferred, defaulted, or charged off. 

Because Affirm operates mainly through digital platforms, app notifications, and email reminders, I began reviewing my communication history to determine whether I had missed any notices. No clear or consistent communication from Affirm was discovered for the months listed as delinquent.

2. Initial Attempts to Understand the Account After discovering the entry, I attempted to retrieve the account history from Affirms platform, which includes online dashboards, email notifications, and app messages. During this review, I could not find : A full billing history covering the period of delinquency Any alerts or overdue notices corresponding to the specific dates on the credit report Any detailed statements showing the amount Affirm claims became due A clear explanation of how the final past-due balance was calculated Because Affirm accounts depend heavily on digital communication rather than mailed statements, the absence of visible billing reminders or due-date notices made it difficult to determine whether the notifications were sent, received, blocked by spam filters, or never generated.

I also reviewed old email folders, including spam, archived, and deleted items, to verify whether Affirm attempted contact. I did not find billing statements or overdue notices for the time period associated with the delinquencies being reported. 

3. Disputes Filed With XXXX  After discovering an unfamiliar delinquency timeline, I filed a dispute with XXXX. My dispute requested : Verification of the account Documentation supporting the delinquency Proof of billing statements Confirmation that Affirm followed proper communication procedures Itemized records of the balance A detailed delinquency timeline XXXX  processed the dispute and returned the account as verified, but did not provide : Any documentation used to verify the account A copy of billing statements A breakdown of charges A copy of Affirms internal validation information A method-of-verification explanation beyond automated language Because no documentation was provided and no human-review explanation was included, I could not determine how XXXX concluded that the account was accurate.

This raised concerns that the account may have been verified through automated systems such as e-OSCAR rather than through manual review.

4. Attempt to Contact Affirm Directly Following the dispute, I attempted to contact Affirm to request : A full payment history A complete list of all statements, including those for any periods allegedly late Proof of email delivery logs Confirmation of any attempts at outreach or collections Exact dates of late payments Original loan or installment agreement terms Calculation showing how the past-due amount reached {$1800.00} Explanation of why the account appears only on XXXX  and not the other bureaus Affirm did not provide complete documentation. Specifically, I did not receive : Any itemized statement Any late-payment notice copies Any breakdown of the total amount due Any digitally timestamped billing reminders Evidence that Affirm followed proper billing protocol Any proof that the account was submitted to Experian with validated data The lack of proper documentation made it impossible to verify whether : The late payments were accurately coded The balance was correct The delinquency timeline was properly calculated The reporting was lawful, complete, and based on original creditor records 5. Unclear Communication and Possible Notification Issues A major problem throughout this situation is the absence of clear communication from Affirm. During the time Affirm claims payments became late, I did not receive : Past-due notices Payment reminders Invoice statements Warning notices about upcoming charge-off Any notice that the account was being reported as delinquent Because Affirm relies on digital contact methods, a fair and accurate reporting process requires proof that digital notices were sent, such as : Timestamped email delivery logs In-app notifications XXXX  messages Copies of generated statements However, Affirm did not provide these materials. Without the ability to evidence their delivery, it is impossible for me to determine whether the delinquency occurred due to lack of notice rather than non-payment. 

6. Timeline Issues and Inconsistencies in Reporting XXXX  shows several months of late-payment reporting, but Affirm has not provided any documentation showing : When the payment first became due Whether the loan was extended, modified, or adjusted Whether any payment arrangements were made Whether the balance increased due to fees or interest Whether the delinquency was affected by communication or technical issues Whether Affirm attempted any form of consumer contact The late-payment pattern appears disproportionately severe given the absence of communication. Without clear documentation, I can not confirm whether the reported late payments were : Accurate System-generated Automatically applied Caused by internal platform issues Caused by non-delivery of notifications Caused by errors in Affirms reporting system The lack of clarity makes it impossible to determine whether the derogatory status is legitimate. 

7. Unverified Balance Amounts The amount listed on the credit report is around {$1800.00}. I have not been provided with : A statement showing the starting principal A breakdown of payments made An explanation of any interest added A list of fees or penalty charges Any documentation explaining how the final balance became the charge-off amount Without itemized statements, I can not verify the accuracy of the reported amount. Because Affirm functions as a point-of-sale installment lender, their balances must reflect : The purchase price Payments received Adjustments Applied fees Any returned merchandise credits Any communication records that may affect the status None of this information has been provided.

8. Uneven Reporting Across Credit Bureaus Another issue is that Affirm is reporting the account only to XXXX  but not to the other two major credit bureaus. This inconsistency raises the following concerns : Whether Affirm reported the information selectively Whether Affirm attempted to furnish data to all bureaus Whether the data furnished to other bureaus failed verification Whether Affirm uses XXXX  exclusively Whether reporting errors occurred Without clarity, the absence of reporting to other bureaus makes it difficult to determine whether the XXXX entry is accurate or whether the other bureaus rejected the data due to validation issues. 

9. Failure of Affirm to Provide Required Validation Under the FCRA, furnishers such as Affirm must : Provide accurate data Verify data upon dispute Conduct reasonable investigations Provide supporting documentation Fix incomplete or unverifiable information Affirm has not provided : Original documents Billing history Proof of late-payment notices Evidence supporting the delinquency timeline Documentation used during the XXXX  reinvestigation Payment breakdowns or itemized statements Because Affirm did not comply with validation requirements, the accuracy of the account is questionable. 

10. The Absence of Proper Reinvestigation When XXXX  verified the account without providing evidence, it indicated that : No manual review was performed No documentation was provided by Affirm No consumer communication was considered Verification likely relied on automated data-matching rather than original documents Because no supporting documentation was produced by either XXXX  or Affirm, there is no basis for considering the derogatory reporting accurate. 

XXXX. Impact of Affirms Reporting Errors The derogatory reporting of this account has caused several measurable harms : Reduction in XXXX XXXX Higher interest rates on current and future lending Difficulty obtaining financing Difficulty securing favorable terms on credit applications A negative effect on loan underwriting decisions Persistent credit damage over time due to late-payment histories Derogatory information that can not be verified through documentation is extremely harmful, especially when it involves : Charge-offs XXXX and XXXX late codes High balances Long-term derogatory status Because Affirm has been unable to substantiate the reporting, the continued negative impact unfairly harms the consumer. 

XXXX. Summary of What Happened In summary : A derogatory Affirm account appeared on XXXX. 

I attempted to retrieve documentation and billing records. 

Affirm did not provide any original statements or notices. 

I disputed the account with XXXX. 

XXXX  returned verified without documentation. 

Affirm never provided itemized proof of the {$1800.00} balance. 

No delinquency notices were found in my digital or email history. 

No evidence was provided that Affirm attempted communication. 

No proof was provided that the account was accurately reported. 

The account appears only on XXXX bureau, raising validation concerns. 

I am unable to independently confirm any of the late-payment entries. 

The reporting is unsupported by documentation, inconsistent, and unclear. 

Because no supporting materials have been provided, and because the reporting remains unresolved after multiple attempts to obtain documentation, this complaint is necessary.

Company response to consumer: Closed with explanation