Debt collection -- Attempts to collect debt not owed -- Complaint #18225848
Complaint Overview
Complaint ID: 18225848
Company: Affirm Holdings, INC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Florida
ZIP Code: 32822
Date Received: 2025-11-09T12:00:00-05:00
Date Sent to Company: 2025-12-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I respectfully request that the CFPB require Affirm Inc. to immediately delete or correct all inaccurate information being furnished to the credit bureaus and to cease reporting any accounts it no longer owns or services. Affirm has confirmed in writing that certain loans were sold to XXXX XXXX XXXX XXXX XXXX, yet it continues to appear as the furnisher of record. This is misleading and violates the Fair Credit Reporting Act ( FCRA 605B ). I am requesting a full investigation and verification of each account. Affirm should provide written confirmation that all transferred loans have been removed from my credit file and that any remaining charge-off accounts are accurate, verified, and lawfully reported. I seek full correction of my credit reports to reflect only accurate and authorized information.
Frequently Asked Questions
What is Complaint #18225848 about?
Complaint #18225848 was filed against Affirm Holdings, INC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-11-09T12:00:00-05:00.
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 (Debt collection) 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.