Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17992808
Complaint Overview
Complaint ID: 17992808
Company: Affirm Holdings, INC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Indiana
ZIP Code: 46254
Date Received: 2025-11-27T12:00:00-05:00
Date Sent to Company: 2025-11-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting a rebuttal to Affirms response. Affirms explanation is incorrect and does not match the actual events. I have documented proof that : Affirm incorrectly coded my loan ( XXXX ) as included in bankruptcy, This coding error prevented me from making further payments, I contacted Affirm and its servicer multiple times before any payment was ever late, My account was wrongfully closed/charged off while I was actively attempting to pay, Affirm provided misleading information in their response to the CFPB. Case Numbers Showing Early Contact & Attempts to Fix the Issue Before any delinquency occurred, I opened the following support cases with AffirmXXXX : Case # XXXX Case # XXXX Case # XXXX Case # XXXX These cases were all opened in XX/XX/year>, and they show clearly that I informed Affirm that : My loan was not included in bankruptcy, I wanted to continue making regular payments, The account was incorrectly coded as bankruptcy, I was trying to pay but Affirm was refusing/blocking payments. Affirm Refused or Blocked My Payments I made a confirmed payment on XX/XX/year>. After this date, I attempted to continue making payments, but Affirm and XXXX refused or prevented the payments due to their incorrect bankruptcy coding. I have emails and call logs proving that Affirm/XXXX : Closed the account prematurely Refused payments Told me the account was charged off even though no payments were past due Affirms Delinquency Reporting Is Inaccurate Affirm reported that : No further payments were made, and the delinquency was due to my failure to pay. This is false. The delinquency and charge-off were caused by Affirms refusal to accept payments, not by me missing payments. Therefore : The delinquency is inaccurately reported The charge-off is inaccurately reported Affirms response to the CFPB is misleading This violates the Fair Credit Reporting Act ( FCRA ) Requested Resolution I am requesting : Removal of all delinquency and charge-off reporting for loan XXXX Backdating the account to reflect accurate payment history Correction of all reporting to reflect that the delinquency was caused by creditor error A full investigation into why my account was coded as included in bankruptcy Review Affirms misleading statements provided to the CFPB I am prepared to provide emails, call logs, statements, and screenshots confirming my attempts to pay and Affirms refusal to accept payment. Thank you for reopening this investigation.
Frequently Asked Questions
What is Complaint #17992808 about?
Complaint #17992808 was filed against Affirm Holdings, INC regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-11-27T12:00:00-05:00.
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.