Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: OK

Complaint narrative:
This complaint concerns serious and ongoing violations of federal law by Affirm , Inc. and XXXX, a third-party debt collector. Affirm continues to furnish and verify fraudulent credit information despite being provided with multiple official identity theft reports and extensive documented evidence proving that the Affirm account they are attempting to collect is not mine. XXXX has joined in these violations by attempting to collect this fraudulent debt after Affirm had already been notified of identity theft. Their conduct violates multiple sections of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the Dodd Frank Act. 

The Affirm account they claim belongs to me, referenced by Affirm and XXXX under the consumer reference ending in XXXX with a claimed balance of XXXX dollars, is fraudulent and the result of identity theft. I did not authorize, open, or use this account in any form. Affirm has been notified of this identity theft repeatedly and through multiple federal agencies and formal dispute channels. 

I submitted an FTC Identity Theft Report. 
I filed an FBI IC3 crime report.

I filed a United States Postal Inspection Service identity theft report. 
I submitted written disputes toXX/XX/XXXX and XX/XX/XXXX 
I filed CFPB complaints that included Affirm as a company furnishing fraudulent data. 
I mailed multiple dispute packets with supporting documents through certified mail. 
I disputed the Affirm account directly with Affirm. 

Despite all of these official filings and notices, Affirm continued to report the fraudulent account to the credit bureaus, continued to verify it as accurate, and then escalated their conduct by outsourcing the fraudulent account to XXXX for collection. On XX/XX/year>, I received a collection letter from XXXX, which proves that Affirm knowingly transferred a fraudulent identity-theft account to a debt collector even after receiving multiple legal notices. This action itself violates federal law. 

Affirm has violated Fair Credit Reporting Act section 605B by failing to block identity-theft information after receiving my FTC Identity Theft Report and supporting documentation. Under federal law, once a consumer provides an FTC Identity Theft Report and requests blocking, the furnisher must block the fraudulent account within four business days. Affirm refused to do so.

Affirm violated section 623 ( a ) ( 1 ) ( A ) of the FCRA by continuing to furnish information that they knew or should have known was inaccurate. They were repeatedly notified that the account was fraudulent. They also violated section 623 ( a ) ( 3 ) by failing to mark the account as disputed even though I submitted multiple written disputes. Affirm also violated section 623 ( a ) ( 6 ) by failing to investigate identity theft after being notified in writing. They did not conduct any investigation that meets the minimum requirements of the statute.

Affirm violated FCRA section 611 by falsely verifying the account after I disputed it with the credit bureaus. A reasonable investigation would have included verifying identity, signatures, IP addresses, delivery confirmation, device information, and payment authorization. Affirm failed to perform even the most basic investigation.

Affirm has also violated the Dodd Frank Act by engaging in unfair, deceptive, and abusive acts and practices. Affirm continued to furnish false information and escalated a fraudulent identity theft account to collections after receiving federal identity theft documentation. These acts meet the definition of unfair, deceptive, and abusive under federal consumer protection law. 

XXXX has committed independent violations of the Fair Debt Collection Practices Act by attempting to collect a fraudulent debt after Affirm and the credit bureaus had already been notified of identity theft. XXXX violated FDCPA section 1692e by making false representations about a debt that resulted from identity theft. They violated section 1692f by using unfair and unconscionable means to attempt to collect the fraudulent debt. They violated section 1692c by contacting me about the debt despite the fact that the original creditor was already notified of identity theft. They violated section 809 ( b ) of the FDCPA by attempting to continue collection activity without validating the debt and without providing documentation proving I owe the alleged balance. 

I have suffered direct and documented financial harm because of Affirms and XXXX violations. These harms include mortgage denials, auto loan denials, significantly increased insurance premiums, increased credit card APRs, credit score suppression, reputational harm, emotional distress, and measurable financial loss. These harms are documented in my damages summary and in my FTC, FBI, XXXX, and CFPB reports. 

Affirm and XXXX have demonstrated a pattern of reckless disregard for federal law. They continued to furnish, verify, and collect a fraudulent debt long after being provided with multiple pieces of federal identity theft evidence and dispute documentation. Their actions are willful, intentional, and in complete disregard for their statutory obligations. 

I am requesting the following corrective actions. I request the immediate and permanent deletion of all Affirm accounts, inquiries, and related reporting from every credit bureau. I request the immediate recall of the fraudulent account from XXXX. I request written confirmation from Affirm that the account has been permanently deleted as fraudulent. I request written confirmation from XXXX that the collection account has been closed and removed from their system. I request regulatory enforcement and penalties for violations of the FCRA, FDCPA, and Dodd Frank Act. I request restitution for financial harm, as well as statutory and punitive damages due to willful noncompliance. 

Affirm and XXXX must be held accountable for their unlawful actions. Their continued reporting, verification, and collection of an identity-theft account, despite overwhelming evidence, demonstrates a severe and ongoing threat to consumer protection and financial safety. I ask the Consumer Financial Protection Bureau to take immediate action.

Company response to consumer: Closed with explanation