Consumer complaint received 2025-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Klarna AB
State: FL

Complaint narrative:
Your Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XX/XX/year> Subject : Complaint Against Klarna for Failing to Verify Identity Before Opening a Fraudulent Account Complaint Summary : I am filing this complaint against Klarna for their failure to properly verify identity before opening a fraudulent account in my name. As a result, my personal information was used without my authorization, causing harm to my financial standing and credit report. 

Details of the Complaint : 1. Fraudulent Account : Klarna opened an account using my personal information without my knowledge or consent. 
My legal name is XXXX XXXX, and I have no association with the account in question.

2. Failure to Verify Identity : Klarna failed to conduct adequate identity verification measures to ensure that the individual opening the account was authorized to do so.

Proper verification would have prevented this fraudulent activity and the harm caused.

3. Impact on My Credit : This fraudulent account has been reported to credit bureaus, negatively affecting my credit score and financial reputation.

Klarnas failure to verify identity has caused significant distress and financial harm.

4. Violation of Legal Obligations : Klarnas actions violate the Fair Credit Reporting Act ( FCRA ), which requires creditors to ensure accurate reporting and to take appropriate steps to prevent fraud.

Fair Resolution : To resolve this matter, I request the following actions : 1. Immediate Investigation and Account Closure : Investigate and immediately close the fraudulent account tied to my personal information.

2. Provide Documentation of the Account : Supply documentation showing how and when the account was opened, including details of th
e identification or information used during the application process.

3. Notify Credit Bureaus : Contact all major credit bureaus ( XXXX, XXXX, and XXXX ) to ensure the fraudulent account is removed from my credit report.

4. Confirm Resolution in Writing : Provide written confirmation that the fraudulent account has been removed and that I am not liable for any associated debts or obligations.

5. Strengthen Fraud Prevention Processes : Implement stricter identity verification protocols to prevent similar occurrences in the future.

6. Restitution for Damages : If applicable, provide compensation for any financial or reputational damage caused by this fraudulent account. 

Supporting Documents : To support my claim, I am prepared to provide the following : FTC Identity Theft Report XXXX Complaint Report Copy of my government-issued ID confirming my legal name is XXXX XXXX Conclusion : Klarnas failure to verify identity before opening this account has caused undue stress and financial harm. I trust the CFPB will ensure Klarna fulfills its legal obligations under the FCRA and resolves this matter promptly. 

Please contact me at XXXX or XXXX if additional information is required. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation