Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Karma, LLC
State: WA

Complaint narrative:
FRAUD ALERT : Proof of Charge -Off was Previously requested by Borrowers to Creditors directly on XX/XX/XXXX. XXXX  Ignored verification Request, Fraudulently certified an FCRA INVESTIGATION was conducted. The predatory lending company engaged in gross unlawful misconduct by verifying accurate credit reporting with knowledge furnished defaults are inaccurate, falseand non verifiable on XX/XX/XXXX to XXXX. Please Note : This complaint DOES NOT APPLY to XXXX or XXXX ; however is ONLY to show evidence of Borrower attempts to contact Creditors and Creditors refusal to abide by FCRA GUIDELINES. XXXX has deleted XXXX  ACCOUNT DUE TO LACK OF EVIDENCE AND IMPROPERLY FURNISHED ACCOUNT ATTENTION CFPB : FRAUD ALERT ACTION REQUIRED : re XXXX  LOANS PREDATORY LENDING AND DEBT COLLECTION PRACTICES : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX refused XXXX XXXX XXXX, Fraudulently reported Post XXXX  XX/XX/XXXX and Refused to provide Dates of Account Transfer & Report Included In XXXX  XXXX Status : RE : Acct. # XXXX : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. Admitted Lenders Fraud Activity to CFPB via complaint response XX/XX/XXXX ( {$2400.00} ) Since Upstart believes so strongly in their collective efforts and/or their burden of proof ; in addition to civil legal action borrower has launched a formal complaint with the IRS. Borrower provided the XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; copies of all documentation and requested XXXX  Business Taxes be Audited and a fraud investigation be conducted specifically to determine XXXX  Financials write-off accounts are properly verified. As well as companys internal financial reports specifically regarding retention protocols and governance procedures. 

This communication is for the purposes of documenting facts related to fraud and identity theft. Credit Karma has allowed XXXX XXXX XXXX to furnish a non-existent credit account. The account consumer obtained was with XXXX XXXX, opened in XXXX. This account was included and XXXX in my XX/XX/XXXX XXXX XXXX XXXX. Any and all accounts furnished beyond XX/XX/XXXX are fraudulent. 

On XX/XX/XXXX, XXXX XXXX XXXX began fraudulently reporting. From XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX, had fraudulently obtained access to my Credit Profiles and falsified financial records of derogatory accounts that were never obtained by consumer. 

I have attached clear and concise evidence of XXXX XXXX XXXX fraud. XXXX XXXX complicity in said fraud. XXXX XXXX XXXX  and XXXX XXXX direct disobedience of consumers Federal XXXX  Protection Authority. 

Credit Karma is responsible for everything you publish, even when the information comes from a third party. Therefore, you can be found liable for repeating a defamatory statement from a source; even attributing that source will not shield you from a lawsuit XXXX XXXX attempt to claim plausible deniability does not apply. By law, prima facie defamation, a plaintiff must show four things : 1 ) a false statement purporting to be fact ; 2 ) publication or communication of that statement to a third person ; 3 ) fault amounting to at least negligence ; and 4 ) damages, or some harm caused to the reputation of the person or entity who is the subject

Company response to consumer: Closed with explanation