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Their investigation did not fix an error on your report. I am writing to formally complain about Affirm , Inc. for their failure to properly notify me regarding two of my accounts before reporting late payments on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). Specifically, Affirm , Inc. has violated the following provisions of the FCRA : 1. **Section 623 ( a ) ( 1 ) ( A ) ** : Affirm, Inc. did not provide accurate information regarding my payment history. 2. **Section 623 ( a ) ( 7 ) ** : The company failed to notify me of their intention to report the late payments, which is a requirement prior to submitting such negative information to credit reporting agencies.