Consumer complaint received 2025-12-16 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:
I am submitting this feedback in response to Affirm, Inc.s most recent explanation and attachments provided through the CFPB portal. While I acknowledge that Affirm has responded and uploaded documents labeled as a Truth in Lending Disclosure and a Loan Verification Letter, their response does not resolve the central issue of my complaint. For clarity, I am also stating that this matter has been raised previously under CFPB XXXX # XXXX, which was closed without resolving the dispute. Because that case was closed without addressing the lack of proof of authorization, I am now pursuing this issue again through a new case. 

The fundamental issue remains unchanged : I did not open, authorize, or consent to this Affirm account. I do not own this loan. I filed an FTC Identity Theft Report because this account is fraudulent. Affirms response does not provide the evidence required to refute an identity-theft claim or to establish that I am the legitimate borrower.

1. I Do Not Own or Authorize the Affirm Account The account referenced by Affirm, including Loan ID 9AE1-SC32, does not belong to me. I did not apply for financing through Affirm, did not consent to a loan, and did not authorize any installment agreement. I never knowingly entered into a lending relationship with Affirm for the account being reported.

I did not receive : An application confirmation A loan approval notice A signed agreement request A payment schedule at origination A welcome or onboarding communication My first awareness of this account came only after reviewing my consumer reports, which is a common indicator of identity theft or unauthorized account creation.

2. FTC Identity Theft Report Was Filed and Must Be Applied Because the account is not mine, I filed an FTC Identity Theft Report formally documenting that my identity was used without authorization. This report is a legally recognized declaration under federal law and triggers heightened investigation requirements under the Fair Credit Reporting Act ( FCRA ). 

When a consumer files an FTC identity theft report, a furnisher must : Treat the dispute as identity theft, not a routine billing dispute Conduct a heightened, manual reinvestigation Require original documentation proving authorization Refrain from continuing to report information that can not be verified Affirms response does not explain how my FTC Identity Theft Report was evaluated or why it did not result in blocking or removal of the account pending verification. 

3. Prior CFPB Case Was Closed Without Resolution This dispute is not new. I previously raised the same issue under CFPB XXXX # XXXX, which was closed without resolving the dispute. In that case, Affirm similarly relied on internal records rather than producing proof of authorization. 

The closure of the prior case did not establish ownership, did not address identity theft, and did not include documentation showing that I applied for or consented to the loan. Because the underlying issue remained unresolved, I am now creating a new case to ensure that the matter is evaluated based on evidence rather than prior conclusions. 

The closure of a prior CFPB case does not convert disputed information into verified information, nor does it relieve Affirm of its obligation to demonstrate accuracy when identity theft is alleged.

4. Truth in Lending Disclosure Does Not Prove Authorization Affirm attached a Truth in Lending Disclosure that lists loan terms and my name. However, a Truth in Lending Disclosure does not prove that I personally applied for or authorized the loan. This document merely describes how a loan would be structured if validly originated.

The disclosure does not show : That I submitted an application That my identity was verified at origination That I consented to the loan terms That the loan was not the result of fraud A standardized disclosure document can not override an identity-theft claim supported by an FTC report XXXX 

5. Loan Verification Letter Is a Summary, Not Evidence The Loan Verification Letter provided by Affirm is a company-generated summary, not independent proof. It states that the loan was charged off and asserts that I am responsible for repayment, but it does not show how Affirm determined that I was the borrower.

The letter does not include : The original loan application Identity verification records Device or IP address logs Authentication data Fraud review analysis Assertions of responsibility without supporting evidence are insufficient in an identity-theft dispute. 

6. Payment History Does Not Establish Ownership Affirm references alleged payment history and delinquency. Payment activity does not establish ownership. Fraudulent accounts frequently show payments made by third parties, automated systems, or fraud actors.

Ownership must be established at origination, not inferred from later activity. Affirm has not provided documentation showing that I initiated or authorized the loan.

7. Identity Theft Was Not Meaningfully Addressed Affirms response does not explain : How my identity-theft claim was investigated Why the FTC report did not result in blocking the account What fraud indicators were reviewed Why identity-theft procedures were not applied Under the FCRA, furnishers must not continue reporting information that can not be verified once identity theft is alleged. Affirms response does not demonstrate compliance with these requirements.

8. Verification Must Be Evidence-Based Verification in an identity-theft dispute requires evidence. Acceptable evidence would include : Original application records Digital consent or signature data Identity verification materials Device, IP, or authentication logs Affirm has not provided this evidence. Internal summaries, disclosures, or verification letters do not establish ownership. 

9. Continued Reporting Causes Ongoing Harm The continued reporting of this account causes ongoing harm, including : Damage to my credit profile Difficulty accessing legitimate financial products Repeated administrative burden Stress and uncertainty This harm persists as long as unverifiable information remains.

10. This Is a New Case Because the Prior Case Did Not Resolve the Issue I am explicitly stating that this complaint represents a new case because CFPB Case # XXXX was closed without resolving the dispute. The lack of resolution in the prior case does not validate the account. 

Affirm must evaluate this complaint independently and based on evidence, not on the outcome of a prior closure. 

11. What a Fair Resolution Requires A fair resolution requires one of the following actions : Option 1 : Provide Documentation Affirm must provide original, independent documentation proving that I personally applied for and authorized the loan, including identity verification records.

Option 2 : Remove the Account If such documentation can not be produced, the account must be removed from my consumer reports as unverifiable and fraudulent. 

12. No Waiver of Rights My submission of this feedback does not waive any rights under the FCRA, including the right to dispute future inaccuracies or to request the method of verification.

13. Summary To summarize : I do not own or authorize this account I filed an FTC Identity Theft Report Affirm has not provided proof of authorization The prior CFPB case was closed without resolution This is a new case seeking proper review Continued reporting is harmful and unsupported 14. Final Request I respectfully request that the CFPB require Affirm to either : Provide verifiable documentation proving that I opened and authorized the loan, or Remove the account from my credit report in accordance with the FCRAs identity-theft and accuracy provisions.

Until such documentation is produced, the information should not continue to be reported.

Company response to consumer: Closed with explanation