Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Affirm Holdings, Inc
State: WI

Complaint narrative:
Demand for Chain of Assignment and Account-Level Documentation Under FCRA AFFIRM INC - XXXXXXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam, I am writing to formally request the chain of assignment and all account-level documentation pertaining to the above-referenced account, which Demand for Chain of Assignment and Account-Level Documentation Under FCRA Dear Sir or Madam, I am writing to formally request the chain of assignment and all account-level documentation pertaining to the above-referenced account, which AFFIRM INC - XXXXXXXX XXXX XXXX XXXX XXXX is currently reporting on my credit file. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) and 1681g ( a ) ( 1 ), which require furnishers of information to provide consumers with the underlying documentation supporting reported accounts upon requestparticularly where the accuracy of such reporting is in question.

The FCRA imposes a strict duty on furnishers such as AFFIRM INC to ensure that any information reported to consumer reporting agencies ( CRAs ) is accurate, complete, and verifiable. See 15 U.S.C. 1681s-2 ( b ) ; see also Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147, 1154 ( 9th Cir. 2009 ), which affirms the obligation of furnishers to verify and investigate information when a dispute is raised.

Additionally, under 15 U.S.C. 1681g ( a ) ( 1 ), I am entitled to all information in the consumers file, including the sources of that information, which necessarily includes the chain of assignment and other documents showing AFFIRM INC 's legal authority to collect and report this debt.

To Date, I Have Not Received the Following Documentation : The complete chain of assignment from the original creditor to AFFIRM INC ; The original account agreement bearing my signature ; A full and complete payment history ; Any and all notices of assignment as required under federal or state law.

Without these materials, I can not independently verify that your organization has the legal authority to report this item on my credit report, nor confirm whether the reported balance and payment history are correct.

Demand for Documentation Within 30 days of receiving this letter, please provide : The complete chain of assignment, including all bills of sale or transfer agreements ; The original signed contract or agreement establishing the alleged obligation ; A detailed ledger reflecting all transactions, charges, payments, and credits ; Copies of all assignment notices sent to me ; Any other documents validating the accuracy of the reported balance of {$0.00} and the date of last payment ( XX/XX/XXXX ). 

Failure to Comply If you do not provide the requested documentation within the required timeframe, this may constitute a violation of the FCRA, exposing AFFIRM INC to : Actual damages, Statutory damages up to {$1000.00} per violation, Punitive damages, and Reasonable attorneys fees and costs, as provided in 15 U.S.C. 1681n and 1681o.

Ongoing reporting of inaccurate or unverifiable information may also violate the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in debt collection. See Clark v. Capital Credit & Collection Servs., Inc. , 460 F.3d 1162, 1177 ( 9th Cir. 2006 ).

Preservation of Evidence AFFIRM INC is hereby instructed to preserve all documents, communications, and electronic records related to this account, including correspondence with CRAs or third parties. Any destruction or alteration of such evidence may result in sanctions for spoliation.

Response Instructions Please send all requested documents and correspondence to the address listed above. If AFFIRM INC fails to comply with this demand, I will pursue all available legal remedies, including seeking injunctive relief and financial compensation.

Govern yourselves accordingly.is currently reporting on my credit file. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) and 1681g ( a ) ( 1 ), which require furnishers of information to provide consumers with the underlying documentation supporting reported accounts upon requestparticularly where the accuracy of such reporting is in question.

The FCRA imposes a strict duty on furnishers such as AFFIRM INC to ensure that any information reported to consumer reporting agencies ( CRAs ) is accurate, complete, and verifiable. See 15 U.S.C. 1681s-2 ( b ) ; see also Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147, 1154 ( 9th Cir. 2009 ), which affirms the obligation of furnishers to verify and investigate information when a dispute is raised.

Additionally, under 15 U.S.C. 1681g ( a ) ( 1 ), I am entitled to all information in the consumers file, including the sources of that information, which necessarily includes the chain of assignment and other documents showing AFFIRM INC 's legal authority to collect and report this debt.

To Date, I Have Not Received the Following Documentation : The complete chain of assignment from the original creditor to AFFIRM INC ; The original account agreement bearing my signature ; A full and complete payment history ; Any and all notices of assignment as required under federal or state law.

Without these materials, I can not independently verify that your organization has the legal authority to report this item on my credit report, nor confirm whether the reported balance and payment history are correct.

Demand for Documentation Within 30 days of receiving this letter, please provide : The complete chain of assignment, including all bills of sale or transfer agreements ; The original signed contract or agreement establishing the alleged obligation ; A detailed ledger reflecting all transactions, charges, payments, and credits ; Copies of all assignment notices sent to me ; Any other documents validating the accuracy of the reported balance of {$0.00} and the date of last payment ( XX/XX/XXXX ). 

Failure to Comply If you do not provide the requested documentation within the required timeframe, this may constitute a violation of the FCRA, exposing AFFIRM INC to : Actual damages, Statutory damages up to {$1000.00} per violation, Punitive damages, and Reasonable attorneys fees and costs, as provided in 15 U.S.C. 1681n and 1681o.

Ongoing reporting of inaccurate or unverifiable information may also violate the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in debt collection. See Clark v. Capital Credit & Collection Servs., Inc. , 460 F.3d 1162, 1177 ( 9th Cir. 2006 ).

Preservation of Evidence AFFIRM INC is hereby instructed to preserve all documents, communications, and electronic records related to this account, including correspondence with CRAs or third parties. Any destruction or alteration of such evidence may result in sanctions for spoliation.

Response Instructions Please send all requested documents and correspondence to the address listed above. If AFFIRM INC fails to comply with this demand, I will pursue all available legal remedies, including seeking injunctive relief and financial compensation.

Govern yourselves accordingly.

Company response to consumer: Closed with explanation