Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
This correspondence is submitted as a NEW CASE AND CONTINUED FORMAL DISPUTE regarding the above-referenced account. 

I am creating this new case because my previous case number XXXX was closed, despite the fact that the dispute was not properly resolved and the underlying issue of identity theft remains unaddressed. 

The closure of the prior case does not constitute acceptance of liability, agreement with Affirms findings, or resolution of my dispute. I explicitly reiterate and reaffirm that : I do not own this account I did not apply for, authorize, or benefit from this loan I am a victim of identity theft Because the prior case was closed without lawful resolution, I am exercising my right to open a new case and reassert my dispute. 

XXXX. REITERATION OF IDENTITY THEFT CLAIM I reiterate, clearly and unequivocally, that this account does not belong to me. I have already taken appropriate and lawful steps to report this matter, including : Filing an FTC Identity Theft Report Reporting this account as fraudulent and unauthorized Disputing the account directly with Affirm and consumer reporting agencies These actions were taken because I do not own this account and because it was opened without my knowledge or consent. 

Once an identity theft report is filed, federal law requires that the furnisher of information must not continue to treat the account as valid unless it can affirmatively prove authorization. 

XXXX. PRIOR RESPONSE REMAINS LEGALLY INSUFFICIENT Although Affirm previously responded and subsequently closed case number XXXX, the response relied on internally generated documents and conclusory statements, which do not constitute proper verification in an identity theft dispute. 

The closure of the prior case does not cure the following deficiencies : No proof that I personally applied for the loan No proof that I authorized or signed the agreement No device, IP address, or authentication verification No proof I received or benefited from the merchandise As a result, the dispute remains unresolved. 

IV. AFFIRMS CONTINUED BURDEN OF PROOF By filing an FTC identity theft report, the legal burden shifted to Affirm to establish, with competent and reliable evidence, that I am the true obligor. 

To date, Affirm has not met this burden. 

Merely stating that I am responsible for repayment or referencing documents stored within an Affirm account does not override an identity theft claim and does not satisfy FCRA requirements. 

V. FORMAL DEMAND FOR ACTION Given that I am reopening this matter as a new case following the improper closure of the prior case, I formally demand that Affirm : Conduct a lawful reinvestigation consistent with identity theft regulations Cease reporting this account while the dispute remains unresolved Delete the tradeline from all consumer reporting agencies if authorization can not be proven Provide written confirmation of the results of this reinvestigation VI. NOTICE OF ESCALATION If this new case is closed again without lawful resolution, or if Affirm continues to report this account without proper proof, I will pursue escalation through : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) XXXX regulatory authorities Additional legal remedies as permitted by law XXXX. CONCLUSION I am opening this new case because the previous case ( XXXX ) was closed without resolving the fundamental issue : this account does not belong to me. 

I reiterate once more for absolute clarity : I do not own this account I filed an FTC identity theft report This debt is disputed and unauthorized This matter remains actively contested, and any continued reporting or collection without proper verification may constitute willful noncompliance with federal law.

Company response to consumer: Closed with explanation