Consumer complaint received 2025-07-19 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:
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX | ( XXXX ) XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXX XXXX  XXXX DC XXXX Subject : XXXX XXXX XXXX XXXX XXXX Affirm XXXX Accounts Dear Consumer Financial Protection Bureau XXXX I am writing to formally dispute the accuracy and legal validity of two derogatory accounts reported by Affirm Inc. on my XXXX  credit report. These accounts are negatively impacting my credit and appear to be incomplete, inaccurate, and possibly reported in violation of federal consumer protection statutes. 

Disputed Account # XXXX Creditor : Affirm Inc . 
Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} Original Balance : {$140.00} Status : Account charged off as of XX/XX/XXXX Balance Updated : XX/XX/XXXX Status : {$150.00} past due as of XX/XX/XXXX Disputed Account # XXXX Creditor : Affirm Inc . 
Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$190.00} Original Balance : {$200.00} Status : Account charged off as of XX/XX/XXXX Balance Updated : XX/XX/XXXX Status : {$190.00} past due as of XX/XX/XXXX Grounds for Dispute : As an XXXX XXXX member of the United States XXXX, I am invoking the following legal protections and asserting my rights under federal law : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) Affirm Inc. has failed to maintain complete and accurate reporting standards. The reports include inconsistent balances, misaligned original and past due amounts, and have not been updated in compliance with accuracy standards. 

2. Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3937 If these debts were incurred during my XXXX XXXX service or negatively impacted my credit without notice or accommodation of my status, then Affirm Inc. may be in violation of SCRA protections regarding credit reporting, interest rate limitations, and collections while I am actively serving. 

XXXX. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ) Affirms furnishing of these debts as charged off without disclosure that the debts are disputed constitutes misleading and deceptive practices, especially if no attempt was made to validate the alleged obligations. 

XXXX. Military Lending Act ( MLA ), 10 U.S.C. 987 If Affirm Inc. failed to disclose specific military protections at the time of loan origination, or charged interest or terms in violation of MLA limitations, these accounts may be void or unenforceable under federal law.

Action Requested : I hereby request the following : 1. That the CFPB launch a formal investigation into Affirm Inc.s reporting and lending practices in relation to these accounts ; 2. That Affirm IncXXXX be required to provide complete documentation validating these debts, including contract terms, payment history, and compliance with federal military protection laws ; XXXX. That these accounts be deleted from my credit report if they can not be properly validated or if any aspect of the reporting is found to be inaccurate, incomplete, or misleading under FCRA and related statutes. 

Please confirm receipt of this complaint and notify me of the results of your investigation. I am available to provide further documentation as needed. 

Sincerely, XXXX XXXX XXXX, XXXX. 
XXXX XXXX Service Member United States XXXX XXXX, Point Mugu XXXX Air Station XXXX | ( XXXX ) XXXX

Company response to consumer: Closed with explanation