Credit reporting
Affirm credit reporting complaints
Consumers have filed 7,719 complaints about Affirm's credit reporting, 2,811 in the last 12 months (+23%). Affirm answered 100% on time and closed 0% with relief. See the whole Affirm record.
Affirm against other credit bureaus & report companies
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | TransUnion | 2,331,811 | 100% | 41% |
| 2 | Experian | 2,053,038 | 99.9% | 13% |
| 3 | Equifax | 2,003,445 | 99.9% | 40% |
| 4 | LexisNexis | 36,424 | 99.4% | 25% |
| 5 | CBC Companies | 22,776 | 100% | 53% |
| 6 | Capital One | 10,567 | 100% | 15% |
| 7 | FIS (Fidelity National Information Services) | 6,930 | 100% | 0% |
| 8 | Resurgent Capital Services | 5,816 | 99.9% | 21% |
| 9 | Early Warning Services (Zelle) | 4,540 | 100% | 0% |
| 10 | CL Holdings | 4,485 | 100% | 45% |
| 11 | Citibank | 4,468 | 100% | 48% |
| 12 | Bank of America | 4,455 | 99.4% | 13% |
| 13 | Affirm | 2,811 | 100% | 0% |
Latest Affirm credit reporting complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 17, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 17, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | In progress |
| Oct 17, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 17, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 17, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 16, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 16, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 16, 2026 | Credit reporting | Problem with a company's investigation into an existing problemInvestigation took more than 30 days | Explained |
| Oct 16, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 16, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 16, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Oct 16, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 16, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 15, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 15, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 15, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Oct 15, 2026 | Credit reporting | Problem with a company's investigation into an existing issueProblem with personal statement of dispute | Explained |
| Oct 15, 2026 | Credit reporting | Problem with fraud alerts or security freezes | Explained |
| Oct 15, 2026 | Credit reporting | Problem with a company's investigation into an existing problemWas not notified of investigation status or results | Explained |
| Oct 15, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 15, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 15, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 15, 2026 | Credit reporting | Problem with a company's investigation into an existing problemInvestigation took more than 30 days | Explained |
| Oct 15, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 14, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 14, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 14, 2026 | Credit reporting | Problem with a company's investigation into an existing problemProblem with personal statement of dispute | Explained |
| Oct 14, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 14, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 14, 2026 | Credit reporting | Problem with a company's investigation into an existing problemDifficulty submitting a dispute or getting information about a dispute over the phone | Explained |
Your rights with credit bureaus & report companies
Under the Fair Credit Reporting Act you can dispute anything inaccurate or incomplete on your report, and the credit bureau generally has to investigate within 30 days (45 in some cases) and fix or delete what it cannot verify. You are entitled to free reports from each nationwide bureau at annualcreditreport.com, and you can place a fraud alert or a free security freeze.
Scam warning: Nobody can legally remove accurate negative information from your report - be wary of anyone promising to. The only official site for your free reports is annualcreditreport.com.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
Talk about Affirm
No comments yet. Start the conversation - questions are welcome too.