Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Klarna AB
State: OK

Complaint narrative:
Formal Notice of Consumer Complaint To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX From : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX RE : Consumer Complaint against Klarna XXXX for Failure to Respond to Identity Theft Dispute and Continued Credit Defamation Executive Summary I am filing a formal consumer complaint against Klarna XXXX for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. On XX/XX/XXXX, I sent Klarna a formal second notice of dispute detailing a severe case of identity theft. Klarna has completely failed to reply to my physical address, investigate the claim, or block the inaccurate trade line within the mandatory 30-day federal statutory window. Respondent Information Company Name : Klarna XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department : Fraud and Compliance Department / Dispute Disputed Fraudulent Account Details Account Number : XXXX Current Balance : {$460.00} Account Status : Collection / Sales Contract Alleged Opening Date : XX/XX/XXXX Statement of Facts and Absolute Physical Impossibility XXXX XXXX XXXX : I have been in the continuous XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX since XX/XX/XXXX. I am currently XXXX at the XXXX XXXX XXXX XXXX. Absolute Physical Impossibility : Having been XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, it is a physical and legal impossibility for me to have opened a " Sales Contract '' or digital " Buy Now Pay Later '' account with Klarna on XX/XX/XXXX, or to have authorized any underlying transactions. Malicious Address Fraud : The identity thief opened this electronic account by fraudulently exploiting unauthorized residential addresses : XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. I have never lived at either address. Failure to Remediate : Along with my original dispute, I enclosed conclusive state-issued documentation verifying my identity and decades-long XXXX ( including my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Klarna has ignored this evidence and continues to illegally report this collection account, damaging my credit character. Remediation Requested via CFPB Interventions I request that the CFPB immediately intervene and compel Klarna XXXX to complete the following : Permanent Trade Line Deletion : Completely wipe and permanently remove this fraudulent trade line ( Account No. XXXX ) from my credit files at XXXX XXXX, and XXXX. Void the Alleged Debt : Void the alleged contract in its entirety and formally close the account. Cease Collection & Reporting : Terminate all collection efforts and internal or external credit bureau reporting regarding the fraudulent {$460.00} balance. Formal Written Confirmation : Issue a formal physical letter of clearance directly to me at the XXXX XXXX XXXX XXXX confirming I am released from all alleged liability. Thank you for your prompt assistance in holding this financial institution accountable under federal law. Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation