Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6618362
Complaint Overview
Complaint ID: 6618362
Company: Affirm Holdings, INC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: New York
ZIP Code: 11226
Date Received: 2023-02-26T12:00:00-05:00
Date Sent to Company: 2023-02-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My identity was stolen and two consumer loan accounts were made in my name. The lender 's name is Affirm. The first account was opened on XX/XX/XXXX for {$130.00} and the second on XX/XX/XXXX for {$310.00}. When I saw these fraudulent accounts on my credit report, I contacted Affirm, submitted a dispute with the credit bureau, and filed and submitted a police report. Not only did Affirm demand that I pay off the fraudulent accounts, they also refused to remove the fraudulent accounts from my credit report. When I contacted Affirm, they said I needed to pay off the accounts because they were in my name. I did so because I didn't want any more negative impact on my credit report ( there are months of late payments on the two accounts because I was unaware of the accounts/ I didn't open them ). I've since paid them off and they both have {$0.00} balances. Can you please remove these two fraudulent Affirm accounts from my credit report. It's frustrating to have my financial life impacted by something I didn't do. And I've gone above and beyond to fix the issue. I contacted the creditor ( Affirm ), submitted a dispute with my credit bureau, filed and submitted a police report ( attached ), and even paid off the accounts even though I didn't open them.
Frequently Asked Questions
What is Complaint #6618362 about?
Complaint #6618362 was filed against Affirm Holdings, INC regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2023-02-26T12:00:00-05:00.
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, credit repair services, 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.