Consumer complaint received 2025-09-14 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: CA

Complaint narrative:
Direct Dispute to Furnisher ( Affirm, Inc. ) Via XXXX XXXX Mail Return Receipt Requested Date : XX/XX/year> From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : ( XXXX ) XXXX To : AFFIRM INC XXXX XXXX XXXX, FL XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX CC : ( for notice only ) XXXX XXXX XXXX XXXX XXXX  XXXX : Direct Dispute & Request for Verification FCRA XXXX / XXXX V XXXX Account # XXXX Dear Compliance XXXX, I am directly disputing the accuracy and completeness of the Affirm tradeline below as furnished to the consumer reporting agencies ( CRAs ). 

Account in Dispute Creditor/Furnisher : Affirm Inc . 

Account # : XXXX XXXX XXXX XXXX : {$610.00} reported ; original loan {$560.00}. 

Disputed History/Status : Reporting 17 months of negative history for a 6-month loan, and a charge-off/delinquency timeline that does not match contract terms or payment records.

Why this is inaccurate or can not be verified ( examples ) : Amount discrepancy : Furnished balance ( {$610.00} ) does not reconcile with original principal ( {$560.00} ). Provide itemization ( principal, interest, fees, credits, payments ) from account inception through present. 

Duration/history error : A 6-month installment can not produce 17 months of derogatory reporting absent re-aging or duplicate coding. This appears inconsistent with Metro 2 Payment History Profile and Date of First Delinquency ( DOFD ) logic. 

Status/date conflicts : Any charge-off/major delinquency dates must align with the loans actual schedule, XXXX, and Date of Account Informationand must not show post-closure past due behavior. 

Your duties & my requests ( FCRA/Reg V ) : FCRA 623 ( a ) ( 1 ), ( 2 ) : Accuracy + duty to correct/update.

FCRA 623 ( b ) : If a CRA dispute is received, conduct a reasonable investigation and report results to all CRAs.

Reg V ( 12 C.F.R. 1022.43 ) : As this is a direct dispute, you must investigate, review all relevant information, and complete the investigation within 30 days ( 15-day extension only if I supply additional information ).

Requested validation package : Original executed agreement ( or electronic consent record ) and full payment ledger.

Itemization of the {$610.00} amount ( principal/interest/fees/credits/refunds ) tying to {$560.00} origination.

DOFD and any charge-off determination documentation.

Evidence of billing statements/communications showing the reported timeline.

Correction or deletion : If you can not fully substantiate the furnished data ( amount, status, dates, history ) to Metro 2 standards, correct it across all CRAs or delete the tradeline as unverifiable.

Dispute flag : While under investigation, report the account as disputed to all CRAs.

Please provide a written response within 30 days showing your findings, the documents relied upon, and the corrections transmitted to each CRA. If a third-party collector is ( or becomes ) involved, that party must cease collection until validation and provide the FDCPA 1692g ( b ) validation notice ( itemization from the itemization date ) before resuming.

Enclosures : Photo ID ; proof of address ; annotated credit report pages highlighting the Affirm tradeline. 

Sincerely, XXXX XXXX XXXX Date : XX/XX/year> From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : ( XXXX ) XXXX To XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX Subject : FCRA XXXX ( a ) XXXX Affirm Inc. Account # XXXX ( Unverified/Incorrect Reporting ) Dear Dispute Department , I dispute the accuracy and completeness of the following tradeline and request a reasonable reinvestigation under FCRA 611 ( a ) with deletion or correction as required. 

Tradeline in Dispute Furnisher : Affirm Inc . 

Account # : XXXX Disputed Items : Amount : {$610.00} reported vs. {$560.00} original principal ( requires itemization ). 

History/Duration : 17 months of negative reporting on a 6-month loan terminternally inconsistent. 

Status/Dates : Charge-off/delinquency dates that do not align with the contract, XXXX, or a valid Date of Account Information.

Possible post-closure past due portrayal inconsistent with a closed/paid timeline.

Law & required CRA action : FCRA 607 ( b ) Maximum possible accuracy.

FCRA 611 ( a ) Reasonable reinvestigation within 30 days ; unverifiable information must be deleted.

FCRA 611 ( a ) ( 7 ) Provide the Method of Verification ( MoV ), including ACDV/AUD codes, documents reviewed, and the names/titles ( or departments ) of those who verified.

FCRA 623 ( b ) Furnisher must conduct a reasonable investigation and report results to all CRAs. 

CFPB Circular XXXX & case law ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Automated e-OSCAR code replies, without substantive document review, are not reasonable investigations. 

My request : Forward all relevant information Im providing to Affirm Inc. and require documentary validation ( agreement, itemization, payment records, DOFD ).

If the furnisher can not substantiate the amount, status, or dates to Metro 2 standards, delete the Affirm tradeline as unverifiable.

Provide a written MoV and an updated report reflecting all corrections or the deletion.

Enclosures : Photo ID ; proof of address ; annotated report pages highlighting the Affirm tradeline ; copy of my direct dispute to Affirm. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation