Debt collection -- Written notification about debt -- Complaint #18074370
Complaint Overview
Complaint ID: 18074370
Company: Klarna Ab
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Texas
ZIP Code: 77021
Date Received: 2025-10-16T12:00:00-05:00
Date Sent to Company: 2025-12-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint because the company listed above is reporting a collection account on my credit report. I have sent multiple written requests for debt validation under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and Fair Credit Reporting Act ( FCRA 611 & 623 ). It has now been well over 30 days, and I have not received any documentation, proof of ownership, or verification of the alleged debt. Continuing to report this information without proper verification violates XXXX XXXX reporting standards, which require accurate and verifiable data, and constitutes noncompliance under FCRA 623 ( a ) ( 1 ) ( A ). I am requesting immediate removal of this collection account from all credit bureaus and written confirmation that the debt has been deleted from my credit reports.
Frequently Asked Questions
What is Complaint #18074370 about?
Complaint #18074370 was filed against Klarna Ab regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-10-16T12:00:00-05:00.
How did Klarna Ab respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Klarna Ab?
Yes, visit the Klarna Ab company profile at readthecomplaint.com/company/klarna-ab to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.