Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
am filing this formal complaint against AFFIRM for their systemic failure to investigate and correct materially inaccurate information on my credit report, in direct violation of their legal obligations under FCRA 623 ( a ) ( 8 ) and CFPB Regulation V. 

Timeline of Violations : XX/XX/year> : Sent individualized dispute letters via certified mail to all three furnishers AFFIRM demanding : Investigation of specific inaccuracies on my credit report ; Correction or deletion of unverified items per FCRA 623 ( b ) ( 1 ) ; Documentation of their investigation methodology. 
Furnishers ' Inadequate Responses ( XX/XX/year> ) : Received generic responses that either : Failed to address the specific inaccuracies cited ; Contained new errors ( e.g., incorrect balances, dates, or statuses ) ; Provided no verifiable evidence of their investigation. 
These responses violated CFPB XXXX XXXX, which mandates that furnishers conduct " reasonable investigations '' and provide " sufficient supporting documentation. '' Follow-Up Challenges ( Late XX/XX/year> ) : Sent rebuttal letters via certified mail, detailing : Point-by-point refutations of their inaccurate " corrections '' ; Demands for full compliance with FCRA XXXX. 
No response received from any furnisher as of today. 
Legal Violations : Each furnisher is guilty of : Willful non-compliance with FCRA XXXX ( a ) ( XXXX ) : Failure to conduct a reasonable investigation within 30 days of receiving disputes. 
Breach of accuracy obligations ( FCRA 623 ( b ) ( 1 ) ) : Refusal to correct demonstrably false information.

Violation of CFPB Regulation V ( 12 CFR 1022.43 ) : Issuing incomplete, template responses that ignore submitted evidence.

Bad-faith reporting : Introducing new inaccuracies during the dispute process, further harming my creditworthiness. 
Impact : These uncorrected errors have caused : Unjustified XXXX of my credit score ; Heightened risk of loan/credit denials ; Continuous reputational and financial harm.

Demand for Immediate CFPB Intervention : Pursuant to your authority under the FCRA and Dodd-Frank Act, I request the CFPB : Compel all three furnishers to : Delete all disputed tradelines they can not prove with documentary evidence is accurate ; Issue written confirmations of corrections sent to all nationwide credit bureaus ( Experian, Equifax, TransUnion ) ; Provide me with : Copies of all verification documents used in their investigations ; A detailed report of their investigative steps.

Penalize furnishers for : Pattern of non-compliance with FCRA 623 ; Use of deceptive or incomplete responses. 
Ensure future compliance by mandating : Staff retraining on FCRA/Regulation V requirements ; Audits of their dispute resolution processes. 
Attached Evidence : Copies of all dispute letters sent to XXXX ( XX/XX/year> ). 
Copies of furnishers inadequate responses ( XX/XX/year> ). 
Copies of follow-up rebuttal letters ( XXXX XX/XX/year> ).

Company response to consumer: Closed with explanation