Consumer complaint received 2023-12-27 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: FL

Complaint narrative:
I had an XXXX loan with Affirm , Inc. that was charged off in the amount of {$66.00} because because my payment that was due on XX/XX/XXXX went delinquent for over 120 days. Affirm then referred my loan to a third-party collections partner, XXXX. 

I initially opened a Credit Reporting Dispute case with Affirm , Inc on XX/XX/XXXX, XXXXXXXX XXXX EST. On XX/XX/XXXX, XXXX XXXX  I had not received any messages from Affirm , Inc regarding the case so I sent a message with phone screenshots showing that my account with XXXX had been resolved. 

I still received no response from Affirm , Inc and sent them another message on XX/XX/XXXX, XXXXXXXX XXXX asking if they were still investigating the issue because it had been 12 days since my last message. 

On XX/XX/XXXX, XXXXXXXX XXXX Affirm , Inc finally responded that my payment fell outside the reporting time period covered when they last provided information to the credit reporting agency. 

During that time, on XX/XX/XXXX, I contacted XXXX  to obtain a Loan Verification Letter that said that I resolved my balance of {$66.00} owed to Affirm , Inc. on XX/XX/XXXX. 

So on XX/XX/XXXX, XXXXXXXX XXXX XXXX sent a response clarifying that my balance had been resolved and sent them XXXX Loan Verification letter. 

I received a response on XX/XX/XXXX, XXXXXXXX XXXX asking me to please contact their third party collections partner, XXXX, to update my account. 

On XX/XX/XXXX, XXXX XXXX I responded that I already had done so and had sent my Loan Verification letter already as an attachment and requested that Affirm , Inc updates my account. As of XX/XX/XXXX that case is still " In progress. '' I contacted Affirm , Inc after speaking with XXXX on XX/XX/XXXX XXXX XXXX EST which resulted in a second Credit Reporting Dispute case to be opened. 

I received a response from Affirm , Inc on XX/XX/XXXX, XXXX XXXX saying I still owed {$26.00} to XXXX as a collections payment. They then sent me a Loan Verification Letter from Affirm , Inc. but for a different earlier loan that I had had previously with them. 

I responded on XX/XX/XXXX, XXXX XXXX that, once again, XXXX provided me with a Loan Verification letter saying my loan has been completely resolved. I sent Affirm , Inc another copy of the letter and asked that they fix their records. 

On XX/XX/XXXX, XXXXXXXX XXXX  Affirm , Inc responded that according to their records there's no payment yet showing on their system from the collection that I paid the {$26.00}. Affirm , Inc then sent me a Loan Verification Letter detailing that I have a balance of {$26.00}. 

On XX/XX/XXXX, XXXXXXXX XXXX I acknowledged that they are unable to find the payment which is why I submit to them XXXX Loan Verification letter saying it is resolved. The case is also still " in progress. '' I also contacted XXXX to dispute the balance with Affirm , Inc. on my credit report three times, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I disputed the balance with Affirm, Inc. on my credit report and provided XXXX with the Loan Verification letter from XXXX. Despite providing the Loan Verification letter all three times, each time I received this response from XXXX : " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. ''

Company response to consumer: Closed with explanation