Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: MS

Complaint narrative:
* * Subject : * * Immediate Deletion Demand Inaccurate Reporting of AFFIRM Account To Whom It May Concern, I am formally disputing the accuracy, completeness, and legal compliance of the following tradeline currently appearing on my consumer credit report : * * Creditor : * * Affirm Inc . * * Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : * * XX/XX/XXXXXXXX XXXX XXXX Original Balance : * * {$840.00} * * Reported Balance : * * {$590.00} * * Status : * * Charged Off {$590.00} Past Due as of XX/XX/XXXX After reviewing my credit report, I have identified multiple reporting deficiencies that render this tradeline inaccurate, misleading, and unverifiable under the * * Fair Credit Reporting Act ( FCRA ) * * and applicable consumer reporting standards. * * 1. Failure to Maintain Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) * * The account simultaneously reports that the balance has been written off while also reporting an active past due balance of {$590.00}. A debt can not simultaneously be written off and still reported as an active past-due obligation without proper documentation and status coding. This creates misleading reporting that violates the FCRAs requirement that consumer reporting agencies maintain maximum possible accuracy. * * 2. Incomplete Identification of the Original Creditor ( 15 U.S.C. 1681e ( b ) ) * * The report fails to properly identify the original creditor field. Required identifying information must be reported in order for the tradeline to be considered complete and verifiable. Incomplete creditor identification renders the tradeline unreliable. * * 3. Failure to Provide Verifiable Payment Terms ( 15 U.S.C. 1681i ( a ) ) * * The account lists loan terms of 12 months but fails to report the required scheduled monthly payment amount or payment schedule. Without these required fields, the delinquency calculations can not be verified during a reinvestigation. * * 4. Improper Charge-Off Reporting and Status Coding ( 15 U.S.C. 1681e ( b ) ) * * The account reflects multiple months coded as CO ( charge-off ). A charge-off is a single accounting event and should not be repeatedly reported as a new charge-off each month. Repeated charge-off reporting misrepresents the severity and status of the account. * * 5. Unverified Date of First Delinquency ( 15 U.S.C. 1681c ( c ) ) * * The delinquency timeline indicates that the account became 30 days late in XX/XX/XXXX despite the last payment being reported as XX/XX/XXXX. This gap creates uncertainty regarding the true Date of First Delinquency. Federal law requires the accurate reporting of this date in order to determine the legal reporting period. * * 6. Failure to Conduct Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) * * Under the FCRA, disputed information must be reasonably reinvestigated and verified through competent documentation. Proper verification requires production of the following : Original signed credit agreement Complete payment history ledger Itemized balance calculation including fees and interest Documentation establishing the Date of First Delinquency Documentation supporting the charge-off calculation If these documents can not be produced, the information can not be considered verified. Due to the inaccuracies, inconsistencies, and incomplete reporting identified above, this tradeline fails to meet the * * maximum possible accuracy standard required under the Fair Credit Reporting Act * *. Therefore, pursuant to * * 15 U.S.C. 1681i * *, I request * * immediate deletion of this account from my credit file with all consumer reporting agencies * *. Please complete your reinvestigation and provide written confirmation of the removal of this tradeline within the statutory * * 30-day investigation period * *. Failure to correct or remove inaccurate information may constitute continued noncompliance with the * * Fair Credit Reporting Act * *, including potential liability under * * 15 U.S.C. 1681n and 1681o * * for willful or negligent noncompliance.

Company response to consumer: Closed with explanation