Consumer complaint received 2026-06-01 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: GA

Complaint narrative:
I have been attempting to have debts with affirm removed from my credit report due to debts do not belong to me. I reviewed my XX/XX/XXXXcredit report in XXXX and noticed a transaction with Affirm. I contacted affirm in XXXX and spoke with a live agent. The representative advised there are accounts established in my name for 3 virtual credit cards and XXXX. I found out they were sending emails to 1 of my XX/XX/XXXXaccounts, XX/XX/XXXX with the attempt to collect this debts. They have been sending emails to this account since XXXX. I wasn't aware of this since I do not use this email for personal use. In XXXX of XXXX, I completed an investigation report on a live call with an affirm agent since my information had been compromised. I advised I have never purchased anything through affirm past or present. I also explained to Affirm that I have been a victim of fraud in the past and to this current day I can not file my taxes electronically without the IRS sending a pin # to me yearly. Furthermore, I contacted XXXX customer service in XX/XX/XXXX and they advised they have no record of me making any purchases with them through Affirm. I even made this known to affirm. They emailed the results of the investigation to me and the results came back with none of these accounts in my name. To date, affirm still has not removed this information from my credit. I reached out to them again via phone and email in XXXX. As of this year I'm now getting text messages and emails to my personal email that I gave them for the investigation at XXXX from their debt collector " XX/XX/XXXX'' on a daily basis. In XX/XX/XXXX I emailed them a copy of their investigation and yet they still have not been cooperative in removing this information from my credit. Instead, they wanted me to complete an affidavit on their website. Which is basically another investigation that would take another 30 days because they couldn't locate the original one. I spoke with a supervisor who assured me they would resolve this in 30 days to my dismay. They have not responded to me within this time frame. They have my phone number and email and yet no one has communicated. Their internal staff has poor communication and the last time I called them direct in XX/XX/XXXX, I was transferred to 2 different departments that couldn't resolve my issue. I had to ask for a supervisor whom I thought was going to handle this matter. I explained to the supervisor, the links they sent me in the email chain are for individuals that have actual accounts with affirm. There is no option to do a general fraud investigation. The supervisor assured me that there would be a freeze of the debt collectors contacting me but that did not stop. I have attached a copy of the previous investigation and the communication with Affirm. I'm including a copy of the daily emails from XXXX. I need assistance in getting this resolved. This is a violation of my protected information and my credit. I have been dealing with this for at least a year and half with no positive results of this being resolved.

Company response to consumer: Closed with explanation