Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
CFPB XXXX FILING NEW EVIDENCE OF OWNERSHIP CONFLICT AND COLLECTION ACTIVITY Consumer : XXXX XXXX Companies : XXXX  XXXX XXXX XXXX XXXX XXXX Affirm Loan Services LLC Supplement Date : XX/XX/year> Subject : New evidence received after filing Conflicting ownership claims, post-sale collection, and account recall by Affirm on XX/XX/year> I am submitting this supplemental statement because I received new evidence after my original CFPB complaint that directly contradicts the representations made by Affirm and the current reporting being maintained by XXXX. 

XXXX. Affirm told the CFPB that the account was sold/assigned on XX/XX/year>. 

This was Affirms official statement in the company response for the related CFPB case. 
According to that statement, Affirm no longer owned the account and should not have been furnishing, verifying disputes, or collecting. 

XXXX. XXXX XXXX stated to the CFPB that the account was terminated and that they were not collecting it. 

XXXX reported that they were not pursuing the debt, were not furnishing, and would request deletion if any reporting existed. 

This means no XXXX  XXXX  had active ownership or collection authority. 

XXXX. On XX/XX/year>, I received documentation showing that XXXX was STILL collecting on this account on behalf of Affirm. 

XXXX communication stated : Current creditor : Affirm , Inc . 

Balance due : {$71.00} Affirm account : XXXX XXXX stated they were working on behalf of Affirm. 

This is after Affirm told the CFPB the account was sold and after XXXX said they terminated involvement. 

XXXX. On XX/XX/year>, Affirm abruptly removed the account from XXXX. 

This removal happened after my CFPB filing and raises significant concerns : Why was Affirm collecting on an account they stated was sold? 

Why did Affirm recall the account only after a federal complaint was filed? 

Why did Affirm continue to furnish and verify during an open federal investigation? 

Why was the consumer never informed of the change in ownership or collection status? 

The sudden withdrawal suggests that Affirm recognized a compliance issue. 

XXXX. This new evidence confirms the account has no stable or verifiable chain of title. 

The following contradictions now exist : Affirm told CFPB they sold the account. 

XXXX told CFPB they terminated it and were not collecting. 

XXXX says the current creditor is Affirm and they were collecting until XX/XX/year>. 

Affirm pulled the account back from collections on XX/XX/year>. 

XXXX  continues to report the account under Affirm as if nothing changed. 

These contradictions prove the debt is legally unverifiable, and no furnisher has presented a consistent or accurate ownership record. 

XXXX. This instability directly impacts the accuracy of XXXX  reporting. 

XXXX continues to publish : Charge-off Balance written off Payment history through XXXX Delinquency sequence Affirm as furnisher Yet Affirm can not be verified as the owner at any point after XX/XX/year>. 
This triggers FCRA 611 ( a ) ( 5 ) ( A ) unverifiable data must be deleted.

Company response to consumer: Closed with explanation