Product: Debt collection

To Whom It May Concern, I am writing to formally address and document the ongoing issues I have experienced with the handling of my Klarna account, which originated on XX/XX/XXXX, under an installment plan. These issues include the unauthorized involvement of XXXX, a third-party debt collector, without appropriate validation of the debt, as well as a series of unresolved communications and unmet obligations from both Klarna and XXXX. 

Chronology of Events : XX/XX/XXXX : My original installment plan began with Klarna. 

XX/XX/XXXX : I received my first communication from XXXX, referencing a supposed debt. This action compromised my privacy as I had no contractual agreement with XXXX. 

XX/XX/XXXX : I formally requested validation of the debt from XXXX. 

XX/XX/XXXX : XXXX sent another notice, again stating I owed a debt without providing any validation or explanation. 

XX/XX/XXXX : I responded, requesting clarification on the owner of the referenced account. I received no response. 

XX/XX/XXXX : I followed up with another inquiry. Again, no response was provided. 

XX/XX/XXXX : I sent a more detailed request for validation and gave a deadline of seven days for a response, emphasizing that this unresolved matter was affecting my ability to use Klarna, a service I rely on to purchase clothing for my children. No response was received. 

XX/XX/XXXX : XXXX replied but failed to provide proper validation, merely reiterating their claim of the debt. 

XX/XX/XXXX : Another notice from XXXX arrived, once again restating their company details with no resolution or validation. 

XX/XX/XXXX : I sent a formal notice to XXXX, including the contact information for XXXX XXXX XXXX. In this notice, I outlined XXXX specific demands for validation of the debt or, failing that, a request to zero out the balance on the account. XXXX did not fulfill these demands. 

XX/XX/XXXX : XXXX finally responded, stating they would request validation from Klarna and assured me that the debt would not be reported to credit bureaus. They also indicated the account would be updated as paid in full. However, no further action or resolution occurred. 

XX/XX/XXXX : After months of inaction, I contacted Klarna directly with evidence of XXXX commitment to update the account as paid in full. Klarna assured me I would receive a response within 72 hours. Despite this promise, no response was received. 

Summary of Concerns : Privacy Violation : The referral of my account to XXXX without proper validation of debt or my authorization constitutes a breach of my privacy. 

Failure to Validate Debt : Despite multiple formal requests, XXXX failed to provide sufficient validation of the alleged debt. 

Neglect of XXXX : Both XXXX and Klarna failed to adhere to deadlines and commitments to provide responses or resolution, leaving the matter unresolved for over a year. 

Impact on Financial Dependability : The unresolved nature of this matter has impeded my ability to rely on Klarna for essential purchases, such as clothing for my children. 

Failure to Update Account : XXXX assurance that the account would be updated as paid in full has not been honored, and Klarna has not taken steps to rectify this matter.