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None. Loan ID : XXXX Dear Affirm Dispute Department, I am formally resubmitting my dispute against XXXX XXXX XXXX XXXX and I am forwarding all relevant documentation and evidence for review. My previous dispute was denied in favor of the merchant on the grounds that they complied with the return policy stated on their website. However, I want to make it absolutely clear that my dispute has nothing to do with a return policy or refund request under any warranty conditions. This case involves fraud, deception, and false advertising by the merchant, who knowingly sold me a used and out-of-warranty product as new, misrepresented the manufacturers warranty, and then involved unauthorized third parties in an attempt to conceal their fraudulent actions. In XX/XX/XXXX, I purchased a XXXX XXXX