Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15130121
Complaint Overview
Complaint ID: 15130121
Company: Affirm Holdings, INC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Florida
ZIP Code: 32837
Date Received: 2025-08-06T12:00:00-05:00
Date Sent to Company: 2025-08-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I noticed an inquiry and a potential account affecting my credit report that I did not authorize. The company involved is Affirm, and the debt collection agency XXXX contacted me regarding this account. On [ insert date you received first contact ], I contacted XXXX and requested a full debt validation as required under the Fair Debt Collection Practices Act. They confirmed they paused all collection activity and said they would send validation documentation. As of today, I have not received any documentation from them or Affirm. Additionally, Affirm has not resolved this matter. Their support only responds with automatic messages or redirects to FAQs. I do not believe this debt is mine and want the inquiry removed from my credit report and all collection activity stopped until proper documentation is provided. I believe my rights under the FCRA and FDCPA are being violated, and I request that CFPB investigate this matter.
Frequently Asked Questions
What is Complaint #15130121 about?
Complaint #15130121 was filed against Affirm Holdings, INC regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-08-06T12:00:00-05:00.
How did Affirm Holdings, INC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Affirm Holdings, INC?
Yes, visit the Affirm Holdings, INC company profile at readthecomplaint.com/company/affirm-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.