Consumer complaint received 2025-10-29 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: NY

Complaint narrative:
Between XXXX and XX/XX/year>, I discovered that several consumer reporting agencies XXXX XXXX XXXX and XXXX ), debt furnishers ( XXXX XXXX Affirm and XXXX ) were furnishing inaccurate and unlawful tradelines under XXXX XXXX, despite prior disputes and documentary proof that the accounts were invalid. 

On XX/XX/year>, the XXXX XXXXt of the State of New York, XXXX XXXX ( XXXX. XXXX XXXX XXXX ) issued a Temporary Restraining Order ( Index No. XXXX ), prohibiting these entities from further reporting, re-reporting, or engaging in collection or arbitration efforts on the disputed accounts pending judicial review. 

Despite this court order, the respondents continued to furnish and publish the disputed tradelines, and in some cases, resumed or attempted debt collection actions in direct violation of the restraining order and federal law. These actions have caused continuing credit damage, reputational harm, and emotional XXXX. 

I have submitted multiple disputes and complaints, including a CFPB complaint, but the companies have failed to remove or suppress the tradelines as ordered. Their ongoing reporting constitutes a willful violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and interference with a state court injunction.

I am requesting immediate federal review and enforcement action against these entities for ignoring a standing court order and continuing unlawful consumer reporting and collection practices ; Additional Causes of Action and Legal Violations Breach of Fiduciary Duty / Duty of Loyalty : Defendants, after notice that the disputed accounts and instruments belonged to a duly formed trust estate and were under judicial review, continued to report, furnish, or collect on said accounts. Such conduct constitutes interference with trust property and a breach of fiduciary responsibility in handling secured or beneficial interests.

Conversion of Trust Property : By using trust-held identifiers, EINs, account titles, or instruments for credit reporting or debt collection, Defendants engaged in conversion and misappropriation of trust assets in violation of equitable and fiduciary principles.

Equitable Estoppel and Unclean Hands : Defendants continued furnishing and collection activity, in defiance of a judicial restraining order, bars them from equitable relief and invokes the doctrines of estoppel and unclean hands.

Violations of New York State Law : Defendants conduct violates New York General Business Law 380-j and 380-s ( NY FCRA ) for furnishing information known to be false or failing to correct after dispute notice ; XXXX XXXXXXXX for deceptive consumer practices and false representations ; and Civil Rights Law 5051, along with common-law privacy rights, for unauthorized use and disclosure of personal or trust-related financial data.

Contempt of Court / Interference with Judicial Process : By willfully disregarding a valid Temporary Restraining Order issued by the Supreme Court of the State of New York, XXXX XXXX ( Index No. XXXX ), Defendants are in violation of New York Judiciary Law 753 ( A ) ( 3 ) and subject to civil sanctions and penalties.

Company response to consumer: Closed with explanation