Consumer complaint received 2025-02-21 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: KY

Complaint narrative:
I have spoken with XXXX as I several Collections/ Charge-OFF accounts with Affirm, that I do not recognize. I have requested debt validation via certified mail over a month ago stating : a I am disputing the validity of an alleged debt your company claims I owe. Account # ( s ) : ( Under the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX, the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX, and applicable federal laws, I formally request validation of this debt before you continue collection efforts. 



Additionally, under XXXX XXXX. XXXX ( Extortionate Credit Transactions ), any attempts to collect a debt through coercion, threats, or unlawful means may be subject to criminal penalties. If I find any violations of state or federal laws, I will report your company to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals Office. 



Required Documentation for Debt Validation Pursuant to XXXX XXXX. XXXX ( b ), I demand the following original and verifiable documents before I take any further action : XXXX. Proof of the Original Agreement A copy of the original signed contract or agreement that I executed with the original creditor, including my original signature as proof of my legal obligation to this debt. 

The original terms and conditions of the agreement at the time of account opening. 

XXXX. Itemized Breakdown of the Debt A complete and detailed accounting of the alleged debt, including the principal balance, interest, fees, penalties, and all additional charges. 

A full explanation of how the balance was calculated, including any added collection fees. 

XXXX. Legal Chain of Custody & Assignment of Debt A document showing the full chain of ownership, including any assignments or transfers of the debt. 

A notarized statement verifying that the debt was legally transferred from the original creditor to your agency. 

Proof that your agency has the legal authority to collect this debt. 

XXXX. Payment & Account History A complete payment history from the original creditor, including all payments made on the account. 

A record of any disputes or charge-offs related to this account. 

XXXX. Statute of Limitations Verification The date of last payment on the account to verify whether the debt is legally enforceable. 

Proof that this debt is within the statute of limitations for collection in my state. 

XXXX Credit XXXX XXXX XXXX XXXX you properly verified this debt before reporting it to any credit bureaus ( XXXX XXXX XXXX XXXX ( a ) ). 

If you have reported this debt, provide written proof that it has been accurately reported. 

If this debt can not be verified, I demand that you immediately remove it from my credit report. 

XXXX. Debt Collection Licensing & Compliance Copies of any state or federal licenses allowing you to collect debts in my state. 

Proof that your company complies with CFPB, FTC, and state regulations for debt collection. 



Demand for Original Signature Verification If you can not provide a copy of the original signed agreement with my original signature, then you have no legal basis to collect this debt. Any attempt to collect without proper documentation may constitute a violation of FDCPA ( XXXX XXXX. XXXX ) and could result in legal consequences for your company. 



Cease and Desist Notice If you can not fully validate this debt, you must : XXXX. Cease all collection activities immediately, including letters, calls, and legal actions. 

XXXX. Stop all credit reporting and remove any related entries from my credit file. 



Response Deadline You must provide a full response within 30 days of receiving this letter. If you fail to provide proper validation, I will file complaints with the CFPB, FTC, my state Attorney General, and other relevant agencies. 

I have reached out to affirm and spoken with a representative who claimed after providing my information to them ( Name, last XXXX of social, etc ) there were no accounts or account numbers associated with my name yet they still appear as collections on my credit reports except XXXX which reflects and confirms the invalidity of debts ( which i have no knowledge of previously, as well as what the representative or agent confirmed. 

I also have yet to receive and response in return of the dispute letter sent certified mail to them well over XXXX  days. 

Company name on report : Affirm INC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX I am seeking immediate removal of these from both other reports as XXXX XXXX is the only Agency whom does not have the on my report. 

Thank you

Company response to consumer: Closed with explanation