Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Klarna AB
State: WA

Complaint narrative:
I, XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Washington XXXX, submit this statement in response to communications made by XXXX XXXX, XXXX regarding an alleged consumer debt purportedly associated with Klarna Inc . This statement is made strictly for the purpose of requesting lawful verification and clarification and does not constitute an acknowledgment, admission, or acceptance of liability for any debt, nor does it waive any rights or revive any statute of limitations. 

I dispute the alleged debt in its entirety. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, and the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., I require competent, complete, and admissible evidence demonstrating that the alleged obligation exists and that XXXX XXXX, XXXX has the legal right to collect it. Such evidence must include documentation bearing my name and signature evidencing the original agreement with Klarna Inc. ; a complete itemized accounting of the alleged balance from inception to present, including principal, interest, fees, credits, and payments ; the date of default ; and the date the account was placed for collection. 

I further require full proof of authority to collect, including the complete chain of assignment or transfer of collection rights from Klarna Inc. to XXXX XXXX, XXXX. Mere statements, summaries, screenshots, or database printouts do not constitute valid verification. 

Because XXXX XXXX, XXXX is attempting to collect from a Washington State resident, it is additionally required to demonstrate full compliance with Washington law. This includes proof that it is properly licensed and authorized to collect consumer debts in the State of Washington pursuant to RCW 19.16, including the collection agency license number, the name under which it is licensed, the issuing authority, and confirmation that such license was active at the time of initial contact. Absent valid licensure, any collection activity directed toward a Washington consumer is unlawful. 

If any information regarding this alleged account has been furnished or is intended to be furnished to a consumer reporting agency, such reporting must comply with the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ). Reporting or continuing to report unverified, incomplete, or disputed information constitutes a violation of federal law and may give rise to civil liability under 15 U.S.C. 1681n and 1681o.

Pending full and proper verification, all collection activity must cease as required by 15 U.S.C. 1692g ( b ). This includes, but is not limited to, payment demands, payment plan solicitations, electronic communications, and credit reporting. Any continued collection activity without first providing the required verification will be documented as knowing and willful violations of federal and Washington State law. 

All communications regarding this matter must be made in writing only and directed to the address stated above. No authorization is given for telephone contact, electronic contact, or XXXX-party communications. 

If XXXX XXXX, XXXX is unable to provide the documentation and proof described herein, it must cease all collection efforts and refrain from any reporting or further pursuit of the alleged account. Failure to comply may result in formal complaints to the Consumer Financial Protection Bureau, the Washington State Attorney General, and other appropriate regulatory authorities, and may serve as evidence in any future legal or administrative proceeding. 

This statement is made in good faith for the sole purpose of enforcing my rights under applicable law. No rights are waived.

Company response to consumer: Closed with explanation