Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
To Whom It May Concern : Subject : FORMAL CREDIT REPORT DISPUTE & DEMAND FOR IMMEDIATE DELETION UNDER FCRA This letter serves as a formal dispute and demand for immediate deletion of a charged-off account currently being reported by Affirm, Inc. on my consumer credit reports.

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I hereby dispute the accuracy, completeness, and legal basis of this account and demand that it be immediately deleted from all credit reporting agencies to which you furnish data ( including but not limited to XXXX XXXX XXXX XXXX XXXX 

Violations and Legal Grounds : 15 U.S.C. 1681s-2 ( a ) : Data furnishers like Affirm are prohibited from reporting information that is inaccurate or incomplete. This includes accounts that can not be verified with documentation and legal standing.

15 U.S.C. 1681s-2 ( b ) : Upon receipt of a consumer dispute, the furnisher must conduct a reasonable investigation and correct or delete any information found to be inaccurate, unverifiable, or incomplete. I am giving you 15 days, due to the gravity of the harm.

15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to assure maximum possible accuracy of the information you report constitutes a direct violation.

Furnishing Data Without Permissible Purpose 15 U.S.C. 1681b : If Affirm is reporting information without a legally valid claim to the debt, this may amount to unauthorized use of my credit file, exposing you to statutory and punitive damages.

You Are Required to Provide the Following Within 15 Days : Full validation and itemization of the account, including any alleged contracts or payment history bearing my signature.

Proof that you are the lawful owner or authorized servicer of the alleged account.

A certified copy of the original application or agreement.

Name and contact information of the original creditor.

Documentation that proves Affirm complied with all relevant state and federal disclosure laws prior to charging off and reporting this debt.

Failure to provide these within 15 calendar days will confirm that Affirm can not substantiate the debt, and as such, the account must be permanently deleted from all consumer reporting agencies.

Previous Legal Actions Against Affirm , Inc .

Affirm, Inc. has faced regulatory scrutiny and legal action, highlighting a pattern of conduct that raises questions about its compliance with consumer protection laws : 2023 CFPB Probe into Buy-Now-Pay-Later Providers : The Consumer Financial Protection Bureau ( CFPB ) investigated Affirm alongside other BNPL companies for potentially failing to follow FCRA obligations, including proper dispute handling, accuracy of data, and consumer disclosures.

Ongoing Consumer Complaints : Affirm has been the subject of hundreds of complaints on file with the XXXX XXXX XXXX XXXX XXXX XXXX and the CFPB, many alleging inaccurate reporting, refusal to validate debts, and failure to correct errors on consumers credit files. 

Affirm has been named in numerous class action lawsuits alleging deceptive loan practices, failure to adequately disclose terms, and violations of consumer financial laws. 

This history further underscores the necessity for you to handle this dispute with due diligence, transparency, and urgency. 

Notice of Intent to Escalate : If you fail to comply with this request within 15 days, I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 

Pursue civil action against Affirm for violations of the FCRA, which provides for statutory damages up to {$1000.00} per violation, plus punitive damages, attorneys fees, and actual damages for harm caused by incorrect reporting. 

Final Demand : Due to your failure to substantiate the legitimacy of this account and the reputational harm it is causing me, you are hereby ordered to. 
Cease all reporting of this account to consumer reporting agencies. 

Permanently delete the account from XXXX XXXX XXXX, and any other CRAs to which you report. 

Provide written confirmation of deletion within 15 days of receipt of this letter. 

Your prompt and full compliance is expected and legally required. This letter has been sent via Certified Mail and serves as formal evidence in any regulatory or legal proceedings.

Provide written confirmation of deletion within 15 days of receipt of this letter.

Your prompt and full compliance is expected and legally required. This letter has been sent via Certified Mail and serves as formal evidence in any regulatory or legal proceedings.

Company response to consumer: Closed with explanation