By a very cursory reading, if Affirm sends a negative report to a credit reporting agency, under the Fair Credit Reporting Act, they may be liable for damages a

By a very cursory reading, if Affirm sends a negative report to a credit reporting agency, under the Fair Credit Reporting Act, they may be liable for damages and attorney’s fees. I would suggest writing a letter to Affirm’s legal department describing, very calmly, that Affirm has, apparently knowingly, threatened to send a report to a credit reporting agency despite the fact that Affirm is aware that no actual unpaid debt exists, and that, should this actually occur, you may seek to recover damages under the FCRA.