Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
Affirm is reporting an accounts on my credit report that I never agreed to, never signed for, and never gave written permission to share. There is no original contract, no wet-ink signature, no full disclosure, and no evidence I authorized Affirm to collect or furnish any of my personal data to third parties. I never received a Truth in Lending Act disclosure ( TILA 1631 ), and Affirm has failed to identify the actual lender. Their own SEC filings confirm that loans are issued by partner banks not Affirm yet they are falsely reporting on my credit as if they are the original creditor. 

I lawfully requested the following, multiple times : The original signed loan contract Written proof of permissible purpose under FCRA 1681b A privacy notice and opt-out opportunity under GLBA 313.4 My written consent authorizing Affirm to share my private personal information Documentation proving Affirms authority to service or assign the account Identification of the actual creditor ( required by TILA ) Evidence that Affirm is the real party in interest or holder in due course under UCC Articles 3 & 9 Affirm ignored two sworn, notarized affidavits that demanded deletion. I received no response. Under commercial law, this unrebutted silence constitutes dishonor and default. They continued to report the account anyway. Every day they keep reporting is a new violation of federal and California law damaging my credit, reputation, and peace of mind.

Affirm is acting outside their authority, profiting from my name without consent, while failing to follow the most basic disclosure, privacy, and validation rules. They continue to furnish false and unverifiable information and have refused to stop despite clear legal notice and multiple demands.

Affirm has violated the following : FCRA 1681s-2 ( b ) failure to investigate or correct inaccurate data FCRA 1681b furnishing without permissible purpose TILA 1631 no written disclosure of creditor or terms GLBA 313.4 no privacy notice or lawful data sharing California Civil Code 1785.25 ( a ) knowingly reporting false data California Civil Code 1798.85 sharing my personal info without consent UCC Articles 3 and 9 failure to prove holder in due course or right to collect 15 U.S.C. 45 deceptive trade practice ( UDAAP ) Affirm has also violated multiple maxims of equity, including equity regards as done what ought to be done, and he who comes into equity must come with clean hands. They have not come with clean hands.

I also formally revoked any assumed contract or Power of Attorney. I never gave Affirm authority to act on my behalf or report on me. I sent multiple cease-and-desist notices and final demands. Their continued furnishing is a willful act of defamation, consumer abuse, and data privacy violation.

I am demanding : Immediate deletion of the Affirm account from all credit reports A full investigation into their furnishing and data-sharing practices A referral to the FTC, SEC, and XXXX Attorney General Monetary penalties and regulatory enforcement for ongoing violations Civil action for every single day this account remains on file This is my third submission. I am escalating this because the damage is ongoing, the violations are mounting, and the company has failed to respond in good faith. I want this account permanently removed, all personal data erased, and Affirm investigated for deceptive conduct.

Company response to consumer: Closed with explanation