Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
I am submitting this complaint because Affirm Inc. is reporting a derogatory account on my credit file that I do not recognize, do not own, and never authorized. The account appears under Affirm as a negative, derogatory tradeline with late-payment notations and a past-due balance. I have never opened an account with Affirm Inc. in my life, and I have never authorized any purchase, payment plan, or loan agreement with Affirm. This is my second attempt to resolve this issue, as the first attempt was not handled properly and no verification documents were provided. I also filed an FTC Identity Theft Report because this Affirm account appears to be the result of identity misuse or inaccurate reporting. 

The Affirm account currently reported in my credit file displays significant delinquency history, including XXXX, XXXX, and XXXX late payments, along with a past-due balance that was never explained or supported by documentation. I did not open this account, I did not authorize anyone to open it, and I did not receive any bills, statements, notices, emails, text messages, or alerts from Affirm regarding any purchase or loan. I have no connection to this account. 

I discovered the Affirm account while reviewing my credit report. The account appeared under XXXX but not on the other credit bureaus, which raised additional concerns about accuracy and proper reporting procedures. The inconsistency in reporting suggested possible errors or incomplete furnishing practices. I took immediate action to determine whether the account was legitimate and whether any documentation existed linking me to Affirm. After checking all of my personal records, emails, and financial statements, I confirmed that I have never had any account with Affirm. 

Following this discovery, I sought documentation from Affirm to verify the legitimacy of the account. I contacted Affirm directly and requested any and all materials that would prove I opened or used the account, including : The original application Any digital authentication or device ID information Any identity verification steps Affirm allegedly performed Copies of billing statements Payment histories Signed contracts or agreements Notifications sent before marking the account delinquent Documentation showing how they verified the account during prior disputes Affirm did not provide any of these materials. There was no signed application, no digital signature, no verification logs, no billing documents, and no communication showing that I was ever involved in a transaction using Affirm. Without documentation, the account can not be connected to me. 

Because Affirm did not provide proof of ownership, I disputed the account with the credit bureaus. I explained that the account was unauthorized and requested validation. However, the credit bureaus responded that the account was verified, but provided no documentation showing how the verification was conducted. No signed agreements or records were supplied. No supporting documents from Affirm were included. The bureaus did not show me any evidence of manual review, and the response appeared to rely solely on automated systems, which are known to respond with generic confirmation rather than actual verification. 

When the first dispute produced no documentation and Affirm did not provide proof that this account belongs to me, I filed an FTC Identity Theft Report. I reported this Affirm account as fraudulent and unauthorized. I explained that the account does not belong to me and appears to be the result of identity theft or reporting errors. Filing the FTC report should have triggered a more thorough review by Affirm and the credit bureaus, including blocking or suppressing the fraudulent information until the matter was resolved. That did not occur. 

This CFPB complaint is my second attempt because the issue remains unresolved. Affirm has still not provided documentation proving that this account is mine, nor have the credit bureaus shown me any evidence that my identity was legitimately verified. The account remains on my file with no proof that I ever opened it. 

To be very clear : I did not apply for any Affirm loan. I did not authorize any person to open an Affirm account on my behalf. I did not sign any contracts, agreements, disclosures, or terms of service from Affirm. I did not receive any emails or text notifications from Affirm. I did not make any purchases using Affirm. There is absolutely no financial or digital evidence tying me to this Affirm account. 

The presence of this account on my credit report is causing inaccurate and severe damage. It is impacting my creditworthiness and my financial standing and is unfairly lowering my credit score. It also creates confusion for lenders and makes it appear as if I engaged in late payments when I did not. This kind of inaccurate reporting can affect housing applications, loan approvals, employment screenings, and access to financial services. These consequences are significant and ongoing. 

Because Affirm failed to provide documentation during the first investigation, a fair resolution requires them to produce actual evidence proving account ownership, not automated responses. They must provide legal and verifiable documents such as : The original application Authentication logs used during account creation Device IDs or IP addresses associated with the account Identity verification records Contract agreements allegedly signed A full payment and transaction history Any correspondence allegedly sent to me Records of any disputes, fraud alerts, or identity theft concerns If Affirm can not produce these documents, then the account is not verifiable under FCRA accuracy standards. 

It is also important to note that the Affirm account appears only on XXXX bureau, not across all three. If Affirm furnished accurate information, it would normally be reported consistently. The limited and inconsistent reporting suggests : Possible furnishers errors Possible system errors Incomplete record transmission Unverified information submitted to the bureaus This inconsistency further supports the fact that the account is not legitimate. 

Additionally, Affirms failure to contact me directly at any point is a major concern. If I truly had an Affirm account with multiple late payments, Affirm would have sent repeated billing notices, emails, and delinquency communications. I received none. Affirm would have attempted to collect payment. No such attempts ever occurred. Affirm would have contacted me before reporting the debt as delinquent. This did not happen. These facts further prove that the account is not mine. 

Due to the harm caused and the failure of Affirm to validate the account, I am requesting the following as a fair resolution : Remove the Affirm account from my credit report entirely. 

Conduct a full manual reinvestigation with documentation.

Compare the FTC Identity Theft Report with Affirms records. 

Provide copies of all documentation allegedly linking me to the account. 

Provide a copy of the original application and identity verification records. 

Provide a full explanation of how this account was verified during the first dispute. 

Issue a written confirmation of the findings. 

Ensure the account is not reinserted into my credit file without legally valid certification. 

If Affirm can not provide original proof, then the account must be removed. 

To summarize : I do not own this Affirm account. 
I did not authorize it. 
I never used it. 
I never received any communication about it. 
I filed an FTC Identity Theft Report. 
This is my second attempt to resolve the issue. 
Affirm has not provided the required documentation. 
The credit bureaus failed to provide evidence during the first dispute. 
The information is inaccurate, unverifiable, and harmful. 

I am requesting removal of this account unless Affirm can provide verifiable proof that I personally opened it. So far, nothing has been provided that links this account to me. The FTC report demonstrates that identity theft or fraudulent reporting may be involved, and legal obligations under the FCRA require deletion of unverifiable information. 

I respectfully request the CFPBs assistance in ensuring Affirm complies with federal law and removes this unauthorized account from my credit file.

Company response to consumer: Closed with explanation