Consumer complaint received 2026-01-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
RE : NEGATIVE ACCOUNT INVESTIGATION & DISPUTE ASSISTANCE REQUEST Dear [ Identity Theft Protection / Credit Restoration Specialist ], I am requesting your assistance in disputing and removing the following inaccurate, unverifiable, and potentially misreported accounts from my credit reports. These items have significantly damaged my credit standing and may be in violation of federal consumer protection laws. 
Below is a full list of the negative accounts reported across XXXX XXXX XXXX XXXX extracted from my most recent credit reports ( dated XX/XX/XXXX and XX/XX/XXXX ). 

Summary of Negative Accounts for Dispute XXXX XXXX XXXX XXXX  Account # : XXXX Balance : {$690.00} | Credit Limit : {$500.00} Status : Charged Off Issue : Over-limit balance ; late payments continued post-charge-off ( suspected re-aging ) ; may violate FCRA 623 ( a ) ( 5 ) Reported To : XXXX XXXX XXXX  Action Needed : Demand full verification or deletion under FCRA 1681i ( a ) 2. Affirm Inc Account # XXXX Balance : {$430.00} | Original Balance : {$780.00} Status : Charged Off Reported To : XXXX only Issue : Re-aged late payment pattern ; lacks supporting validation Action Needed : Request deletion if not verified with contract, DOFD, and payment ledger XXXX. Affirm Inc Account # XXXX Balance : {$850.00} | Original Balance : {$920.00} Status : Charged Off Reported To : XXXX  only Issue : 3090+ day late payment cycle post-charge-off ; may be duplicative or misreported Action Needed : Demand deletion unless fully verified per FCRA 1681s-2 4. Dept. of Ed / XXXX ( Federal Student Loans ) Open accounts reporting 90-day lates only on XXXX, while XXXX XXXX XXXX  show these as current or Pays as Agreed. 
a. Loan XXXX Balance : {$21000.00} | Past Due : {$860.00} | Opened : XX/XX/XXXX b. Loan XXXX Balance : {$22000.00} | Past Due : {$960.00} | Opened : XX/XX/XXXX c. Loan 3 Balance : {$130000.00} | Past Due : {$3000.00} | Opened : XX/XX/XXXX Reported Late : Only by XXXX  Issue : Inconsistent reporting violates FCRA 1681e ( b ) ( data must be reported with maximum possible accuracy ) Action Needed : Demand deletion of late entries unless fully validated with Department of Education records Legal Basis for Dispute Please assist in initiating disputes based on the following legal grounds : FCRA 1681i ( a ) : Right to reinvestigation for inaccurate or unverifiable information FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must not report inaccurate or incomplete data FCRA 1681e ( b ) : CRAs must maintain maximum possible accuracy FCRA 1681c ( a ) ( 4 ) : Obsolete data ( beyond 7 years from DOFD ) must not be reported FCRA 623 ( a ) ( 5 ) : Improper re-aging of accounts is a violation Supporting Documents Included Full credit reports from XXXX XXXX XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ) List of disputed accounts with matching references My contact and ID information ( if needed for authorization ) Please let me know if you require a signed authorization form or any other documentation to proceed. I appreciate your help in getting these inaccurate and harmful accounts permanently removed in accordance with federal law. 
Thank you for your support and expertise. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation