Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding Affirm Inc. for inaccurate, incomplete, and inconsistent reporting of late payments to the credit reporting agencies.

Affirm has reported 30-day and 60-day late payments on my account ( Affirm Account # XXXX ) to one or more credit bureaus, while failing to report them to others. This results in a clear inconsistency between my credit files, in violation of the Fair Credit Reporting Act ( FCRA ). In addition, Affirm has failed to report a complete payment history on the account, leaving gaps in the reporting that further obscure the accuracy of the tradeline. 

These two late payments are the only negative marks that have ever appeared on my credit history. I have never had any other late payments on any account, including this one, before or since the incident in question. I maintain a clean and consistent payment history across all other accounts, including my XXXXXXXX XXXX XXXX, which demonstrates my responsible credit behavior. 

At the time these late payments were reported, I was actively serving in the United States military and undergoing treatment for service-connected medical conditions, including XXXX XXXX XXXX  ( XXXX ), XXXX XXXX XXXX ( XXXX  ) XXXX and XXXX. These conditions, and the associated medications, directly impacted my ability to manage financial responsibilities during that specific timeframe. Medical documentation supporting this is included. 

Furthermore, as an XXXX  servicemember, I am protected under the Servicemembers Civil Relief Act ( SCRA ), codified at 50 U.S. Code 3937, which provides credit-related protections for military members. Additionally, the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ) requires data furnishers to report accurate and complete information and to fully investigate any disputed data. Affirm 's failure to consistently and accurately report this tradeline constitutes a violation of these statutory requirements.

Because of : The inconsistencies across credit bureaus ; The incomplete and misleading tradeline reporting ; My otherwise perfect credit history ; My verified medical and service-connected hardship ; I am requesting the CFPBs assistance in the following : Directing Affirm to remove the reported late payments from all credit bureaus due to inconsistency, incomplete reporting, and material hardship under federal protections.

Ensuring Affirm complies with 15 U.S.C. 1681s-2 by furnishing only complete and accurate information across all consumer reporting agencies, or otherwise removing the tradeline if that can not be assured. 
I have already attempted to resolve this through direct dispute with Affirm and via the credit bureaus, but the issue remains unresolved. This inaccuracy is materially affecting my ability to secure a home loan, despite my otherwise strong credit standing. 

Attached to this complaint are the following supporting documents : Medical documentation of my XXXX, XXXX, and XXXX-related impairments Clean payment history from XXXX showing consistent on-time payments Screenshots of inconsistent reporting from Affirm across different credit bureaus Proof of active-duty military status Thank you for your time and attention to this matter. I respectfully request that the CFPB investigate and take corrective action to ensure compliance with the Fair Credit Reporting Act and the Servicemembers Civil Relief Act.

Company response to consumer: Closed with explanation