Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Formal Request for Investigation and Removal of Inaccurate and Invalid Collection Account XXXX XXXX XXXX XXXX XXXX {$500.00} ) I am filing this complaint regarding an inaccurate, invalid, and unverifiable collection account being reported by XXXX XXXX XXXX XXXX for {$500.00}, allegedly arising from an Affirm/XXXX XXXX XXXX financing related to a XXXX XXXX purchase that was never delivered. 

On XX/XX/XXXX, I placed a XXXX XXXX order ( Order # XXXX ) for XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and financed through Affirm/XXXX XXXX XXXX ( Affirm account XXXX XXXX ). Beginning XX/XX/XXXX, and repeatedly thereafter ( XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I notified XXXX XXXX XXXX that the merchandise was never delivered. XXXX acknowledged my complaints and confirmed outreach to the seller, yet no merchandise was provided, and no refund was issued to Affirm. 

Despite receiving notice that the merchandise was never delivered, Affirm failed to suspend billing, failed to conduct a reasonable investigation, and failed to correct the transaction. Instead, the alleged balance was transferred to XXXX XXXX XXXX XXXX, which initiated collection activity in XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, I received notice from XXXX XXXX  stating : Original Creditor : XXXX XXXXXXXX XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX : {$500.00} Original Account # : XXXXXXXX XXXX XXXX XXXX XXXX are currently reporting : XXXX XXXX XXXX XXXX {$500.00} Original Creditor : Affirm This trade line is inaccurate and misleading because : The merchandise was never delivered No valid debt exists The account has been disputed since XXXX Creditor information is inconsistent ( Affirm XXXXXXXX XXXX XXXX XXXX  ) No proof of delivery or acceptance exists The furnisher can not substantiate the balance or obligation Reporting and attempting to collect this alleged debt, which violates : o FCRA 1681e ( b ) ( failure to maintain maximum possible accuracy ) o FCRA 1681i ( failure to conduct reasonable reinvestigation ) o FCRA 1681s-2 ( b ) ( furnishers duty to investigate and correct ) o FDCPA 1692e ( false or misleading representations ) o FDCPA 1692f ( unfair collection practices ) o FDCPA 1692g ( failure to validate debt ) Attempting to collect payment for goods never delivered is inherently unfair and deceptive. 
I am requesting CFPB assistance to : 1. Require XXXX XXXX XXXX XXXX to delete the collection tradeline from all credit bureaus. 
2. Require Affirm and XXXX XXXXXXXX XXXX to correct their records and acknowledge non-delivery. 
3. Require XXXX XXXX XXXX XXXX  to remove this collection from my credit reports.

4. Require all furnishers to provide documented proof of delivery, acceptance, valid obligation, and chain of assignment.

5. Ensure the account is properly marked as disputed until permanently resolved. 
This account should not be reported, collected, or sold because no valid debt exists. 
I request a full investigation into this matter and the removal of the inaccurate information with a written confirmation of the results within 30 days, as required by law. 
Thank you for your prompt attention and assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation