Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: TX

Complaint narrative:
XX/XX/year> Credit Karma , Inc . 
XXXX XXXX XXXX XXXX, CA XXXX Dear Credit Karma Support, Re : False Advertising, Deceptive Business Practices, and Compensation Demand I am writing to formally file a grievance regarding the misleading and deceptive business practices I have experienced on your platform, CreditKarma.com. This grievance concerns the false advertisement of pre-approved credit card offers, which have caused frustration, wasted time, and potential damage to my consumer experience & Credit Score. 

On XX/XX/year>, I was presented with a pre-approved offer for the XXXX XXXX XXXX XXXX XXXX claiming an outstanding chance of approval. After applying, I received a notification that I already had this card, which is demonstrably false. Credit Karma, having access to my credit profile, should be fully aware that I do not have this card in my portfolio. 

This practice constitutes a violation of several consumer protection laws, including but not limited to the following : 1. False Advertising As per Section 5 of the Federal Trade Commission Act ( 15 U.S.C. 45 ), any false or misleading advertising qualifies as an unfair or deceptive act. Credit Karmas pre-approval advertisements are clearly misleading consumers by offering products that are either unavailable or inappropriate, based on the consumers profile. 
2. Deceptive Trade Practices This practice violates the Texas Deceptive Trade Practices-Consumer Protection Act ( DTPA ) ( Texas Business & Commerce Code Ann . 17.46 ( b ) ( 12 ) ), which prohibits false or deceptive acts. Promoting a card that I allegedly already have based on faulty information from your platform reflects a clear case of deception. 
XXXX. Consumer Fraud The systematic misrepresentation of pre-approval offers constitutes a breach of the Truth in Lending Act ( TILA ) and Fair Credit Reporting Act ( FCRA ). Credit Karma is responsible for providing accurate and relevant credit card offers based on its access to consumer credit profiles. Failure to do so constitutes fraud. 

Request for Compensation In light of the time lost and the distress caused by these deceptive practices, I am requesting compensation as part of the resolution to this matter. Compensation for misleading advertisements and false credit card offers is not unprecedented, particularly when a companys negligence leads to wasted time, potential damage to credit profiles, and frustration for the consumer. 

I believe a compensation amount of {$1500.00} is a reasonable request to cover my time, energy, and distress caused by these faulty practices. This would reflect not only a goodwill gesture but also an acknowledgment of your companys responsibility to adhere to fair business practices. 











Demands In response to this letter, I request : 1. A full explanation for these deceptive practices.

2. A review of the specific offers promoted to me and corrective actions taken.

3. Removal of these fraudulent pre-approval notices from your platform.

4. Written confirmation that compensation in the amount of {$1500.00} will be issued to cover the inconvenience caused. 

Failure to address this request in full within 30 days of receipt of this letter will result in further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Texas Attorney Generals Office. 

I look forward to your prompt attention to this matter and expect a detailed response by XX/XX/year>.

Company response to consumer: Closed with explanation