Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Karma, LLC
State: IL

Complaint narrative:
Debt Collector Name : CREDIT KARMA XXXX Debt Collector Address : XXXX XXXX XXXX XXXX CA XXXX To Whom It May Concern, I am submitting this complaint to formally dispute information currently being reported on my consumer credit report that I believe to be inaccurate, unverifiable, and in violation of federal consumer protection laws. I do not acknowledge or accept responsibility for the alleged debt associated with the account referenced above. Despite this dispute, the account continues to be reported to consumer reporting agencies, which is negatively impacting my ability to obtain housing. Pursuant to my rights under the Fair Debt Collection Practices Act, including 15 U.S.C. 1692c ( c ), I am formally disputing this alleged debt and requesting that the collector provide competent evidence demonstrating that the debt is valid and that I am legally obligated for the account. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), entities that furnish information to consumer reporting agencies are required to ensure that the information reported is accurate, complete, and capable of being verified. At this time, the reporting of this account appears to be unsupported by proper documentation. Therefore, I request that the following information be provided : Verification of the alleged debt, including the exact amount claimed to be owed and a complete itemization of the balance. Documentation demonstrating that I am the individual legally responsible for this account. A copy of the original signed agreement or contract bearing my signature that created the alleged obligation. Documentation demonstrating the debt collectors legal authority to collect this alleged debt. A complete chain of assignment showing the transfer of the alleged debt from the original creditor to the current collector. Evidence that the information furnished to consumer reporting agencies has been verified for maximum possible accuracy. Please be advised that continuing to report information that can not be properly verified may constitute violations of federal law, including but not limited to : Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( duties of furnishers of information to provide accurate information and conduct a reasonable investigation ). Fair Credit Reporting Act 15 U.S.C. 1681e ( b ) ( requirement to ensure maximum possible accuracy of information reported ). Fair Debt Collection Practices Act 15 U.S.C. 1692e ( prohibition against false, deceptive, or misleading representations in connection with the collection of a debt ). Fair Debt Collection Practices Act 15 U.S.C. 1692f ( prohibition against unfair or unconscionable collection practices ). If the debt collector can not produce competent documentation substantiating the validity of this alleged debt and verifying the accuracy of the information being reported, I respectfully request that the account be immediately removed from all consumer reporting agencies to which it has been furnished. This matter is time-sensitive, as the continued reporting of this disputed information is directly affecting my ability to secure housing for myself and my family. I respectfully request that this complaint be investigated promptly and that appropriate corrective action be taken. Thank you for your assistance in ensuring that consumer reporting and debt collection practices comply with federal law. Sincerely, XXXX XXXX XXXX email : XXXX XXXX date : XX/XX/year>

Company response to consumer: Closed with explanation