Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX **Credit Karma, IncXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Dear Credit Karma Customer Service, **Subject : Dispute XXXXf Inaccurate Information on Credit Report** I am writing to formally dispute inaccurate information on my credit report as provided through Credit Karma. The account in question is " XXXX XXXX XXXX '' with the account number XXXX. My report incorrectly lists this account as closed, whereas it should be reported as open. 

To support my claim, I have attached a screenshot from my XXXX report dated XX/XX/XXXX, which accurately reflects the account status as open. Here are the correct details : - **Account Type** : Open Account - **Balance** : {$0.00} - **Date Opened** : XX/XX/XXXX - **Status** : Open - **Age of Account** : 8 years and 3 months I have also confirmed with the data furnisher that the account is open, and XXXX is reporting it correctly. Therefore, I request that Credit Karma updates my credit report to accurately reflect the status of this account as open. 

This discrepancy may adversely affect my credit score and overall financial standing. Prompt correction of this error is essential. Thank you for your immediate attention to this matter. Please confirm the receipt of this letter and notify me once the correction has been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX / XXXX XXXX **Attachments : ** 1. Screenshot of XXXX credit report dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Dear XXXX Customer Service, **Subject : Discrepancies in Credit Reporting and Damage to Credit Score** I am writing to bring to your attention serious discrepancies in my credit report as reported by Credit Karma, which are adversely affecting my credit score. Despite my efforts to resolve this issue with Credit Karma, they have indicated that the information they report is sourced from XXXX. 

The specific account in question is " XXXX XXXX XXXX  '' with the account number XXXX. Credit Karma inaccurately lists this account as closed, whereas XXXX correctly reports it as open. This discrepancy has resulted in a significant decrease in my credit score by at least XXXX points, impacting my overall financial standing. 

To support my claim, I have included screenshots from Credit Karmas application and XXXX 's credit report dated XX/XX/XXXX : - **Credit Karma** : Reports my credit age as 7 months. 
XXXX XXXX XXXX Reports my credit age as 4 years and 4 months, which is correct. 
XXXX XXXX  XXXX Reports the " XXXX XXXX XXXX '' account as open with a credit line age of 8 years and 4 months. 
- **Credit Karma** : Reports the same account as closed, which is inaccurate and damaging. 

This situation raises serious concerns about the accuracy of information being reported to Credit Karma and subsequently to the public. It also calls into question the adherence to the Fair Credit Reporting Act ( FCRA ) policies and guidelines designed to protect consumers from such inaccuracies. 

I kindly request that XXXX : XXXX. **Investigate and Correct the Reporting Error : ** Immediately correct the status of the " XXXX XXXX XXXX '' account on my credit report to accurately reflect it as open. 

2. **Provide an Explanation : ** Explain the process by which Credit Karma obtains information from XXXX and how such discrepancies can occur despite the FCRA guidelines in place.

3. **Compliance with FCRA : ** Ensure compliance with all FCRA laws and guidelines pertaining to the accuracy of credit reporting information.

I expect a prompt resolution to this matter and request that you notify me once the correction has been made to my credit report. Please provide a detailed response addressing each of the points raised above and outlining the steps taken to rectify this issue. 

Thank you for your immediate attention to this critical matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX / XXXX XXXX **Attachments : ** 1. Screenshot of Credit Karma 's application showing incorrect information 2. Screenshot of XXXX credit report dated XX/XX/XXXX showing correct information Conversation with credit karma via email Hi XXXX, Thanks for contacting Credit Karma Member Support. 

I understand this is a concerning situation since you mentioned that you have reviewed your credit reports and you're seeing some difference between the reports with the bureau and the one you have in your Credit Karma account. Based on this, let me assist you with the following details : First, thank you for reaching out to inform us of this issue. Unfortunately, I am not able to make any changes in our system. 



However, we work closely with our partner, XXXX, and they can address any questions or concerns you may have identified on your XXXX credit file. Please contact XXXX directly by calling : XXXX XXXX ( XXXX ). 



Once you are connected with their agent, please let them know you have identified a discrepancy through your Credit Karma account. They will then access your most recent XXXX credit report and will work with you to address your concerns. 

Then, please note that Credit Karma is not a credit bureau or consumer reporting agency. Also, since Credit Karma is not able to edit or make changes to your credit reports or score as this information is provided directly from XXXX and XXXX. We must wait for XXXX and XXXX to provide updates on scores and reports. 



In addition to this, Credit Karma does not create your credit reports or scores. We provide resources and tools to assist you in determining and understanding changes to your scores but since we do not create the credit scores or reports, we may not always be able to provide insight. 



Additionally note that you have many different credit scores based on different scoring models and each bureau can provide scores based on different scoring models. The scores provided by Credit Karma are based on the XXXX XXXX scoring model. 



Credit Karma is a third party information platform and having a Credit Karma account does not impact your credit reports or credit scores. We simply provide you with the information that is provided from the bureaus. The scores and credit information provided by Credit Karma are for informational purposes only. Any incorrect, outdated, or excluded information must be addressed directly with the data furnisher ( s ) and the credit bureau ( s ).

Additionally, we aim to be as helpful as we can, but were not your professional financial or legal advisor. If you need professional assistance with your finances, please go to a professional that can help with your specific situation.

You can also find resources and articles in our Personal Finance Articles that may be of assistance. 



I hope this information helps. Let me know if you have any more questions or requests, please do not hesitate to reach back to us to get them covered. 




Kind Regards, Credit Karma Member Support XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX