Debt collection -- Took or threatened to take negative or legal action -- Complaint #6453951
Complaint Overview
Complaint ID: 6453951
Company: Affirm Holdings, INC
Product: Debt collection
Sub-Product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Virginia
ZIP Code: 20147
Date Received: 2023-01-18T12:00:00-05:00
Date Sent to Company: 2023-01-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This Affirm is a fraud Company. I don't know them and by fraudulently they inserted their name in my credit report and damaged my credit report. I sent 2 disputed notices to their addresses that were not my account so they dispute that account and if within 30 days they fail to dispute that account then they want to delete that account from my credit report. But they didn't reply to me back. After 30 days I sent one more notice to them that they failed to verify that account and after that, they didn't delete that from my credit report now I can't wait another 30 days so now you need to delete that account from my credit report immediately. But after that, it's been 10 or more days completed they didn't reply to me back or didn't delete that unknown account from my credit report. So Affirm is really and really fraud Company first they inserted unknown accounts into people 's credit reports and second, they didn't send answers to people and by FCRA law they didn't delete accounts also after 30 days when they failed to verify or validate the account.
Frequently Asked Questions
What is Complaint #6453951 about?
Complaint #6453951 was filed against Affirm Holdings, INC regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2023-01-18T12:00:00-05:00.
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.