Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klarna AB
State: LA

Complaint narrative:
I was alerted to two fraudulent Klarna accounts on my credit report on XXXX when I received 30 day late notices and my score affected. I got on the phone with someone from Klarna on XXXX to figure out what was going on. The agent could only ask my name, email address, and phone number and confirmed that she didn't find any accounts with my information. She even tried searching using the account numbers listed on my credit report and told me that those weren't numbers that are like they're account numbers. I asked her to search by my social in which she confirmed that she couldn't do that. She ended the call by telling me to reach out to the chat on the Klarna website so I can provide the chat agent with a screenshot of my credit report. I did just that, but again was unsuccessful. The chat agent told me that since they didn't find the information that I could just dispute this with the credit union. I immediately went in and put fraud alerts on my accounts and disputed with the XXXX credit bureau on XXXX using the Klarna chat conversation that I had just had with the agent showing proof that they couldn't find these accounts. On XXXX I received the first dispute results confirming that the 1st account would stay on my report because Klarna confirmed that the account was accurate. I received the second dispute result on XXXX confirming the same thing. I reached back out to Klarna again on XXXX via the chat agent and again the agent wasn't helpful and they were trying to find information on the transaction that was tied to the two accounts, in which there are no transactions on my account account that I have, which has not been used since XXXX There is no activity at all in my account. The chat agent told me to reach out to a human at Klarna to put in a dispute, in which I tried, but was still unsuccessful. I put in a police report with my local police on XXXX and finally got the police report back today XXXX in which I was instructed to do by my credit monitoring company, XXXX XXXX. I was told that I couldn't file with you all until I had the police report. It took them a few weeks to get the information filed and to provide me with the copy. While I was waiting on the police report, and after the credit bureaus updated my disputes to the following, " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details, '' Klarna updated both of my accounts in my credit report on XXXX as " Sent to Collection Agency. '' They didn't even give me enough time to prepare myself and fight for this. In the meantime, I went ahead and file another dispute with Transunion to see if they can stall the collection agency, but I am scared that I will get caught up in the court system or get my check garnished before I even had a chance to fight for myself, which is why I'm submitting today because they technically resolved my initial dispute request. I've also seen on a few social media pages that others are dealing with this same issue and that this is a backend issue and not a frontend issue because many of us are not receiving any XXXX texts, emails, or any notification that someone successfully logged into our accounts and these charges are popping up out of the blue and Klarna is not helping us dispute them.

Company response to consumer: Closed with explanation