Klarna reported my payment history prior to 1st of June 2022

enquirydummy

I recently tried to get an AIP and was denied due to something on my credit file.
I got a copy of my file and discovered a 4 months late payment of a Klarna debt that was started in August 2020 and paid off in July 2021. The status after July 2021 of this settled debt became IN (Inactive) till July 2022 and shows 4 months non repayments in Aug 22, Sept 22, Oct 22 and Nov 22. Then becomes IN (Inactive) again till Feb 24 where it appears as S (settled).
I have called Klarna and they are not able to explain what happened nor give me any useful information. I have however requested that this be investigated further and have case opened.
Has anyone been through this before, how did they get it resolved?
What can I do in this case if Klarna doesn't get back to me? Where can I get help? How do I get this fixed and removed from my credit file?
Best regards

The enquirydummy

RobfromCornwall

GingerTim said:

FlaatusGoat said:

Sorry to hear you're dealing with this frustrating situation with Klarna and your credit file. Since you've already opened a case with them, it's important to follow up regularly. Keep a detailed record of all your communications, including dates, times, and the names of the representatives you speak with. This documentation can be helpful if you need to escalate the issue later.

Gather as much evidence as possible to support your claim. This might include payment receipts, bank statements, and any correspondence you’ve had with Klarna. Having this information at your fingertips will be useful if you need to present your case to a third party or if you escalate the issue with Klarna.

Next, reach out to the credit reference agencies that have your credit file, such as Experian, Equifax, and TransUnion. Explain the situation and provide them with the evidence you've gathered. They may be able to update your file if Klarna doesn't respond or rectify the error in a timely manner. Credit reference agencies have a duty to ensure the information they hold is accurate, so they can be a valuable ally in getting your file corrected.

Consulting a credit expert or financial advisor can also be beneficial. These professionals often have experience dealing with similar issues and can offer valuable guidance on how to navigate the situation. They might have strategies or insights that you haven't considered and can help you understand your rights and options.

If you find that Klarna remains unresponsive or you’re not satisfied with their handling of the case, you have the option to file a complaint with the Financial Ombudsman Service (FOS) or another relevant consumer protection agency. These organizations can investigate the matter and help mediate a resolution. They have the authority to require Klarna to correct the issue and possibly compensate you for any distress or inconvenience caused.

Throughout this process, it’s crucial to stay persistent. Resolving issues on your credit file can take time and effort, so continue to follow up until the matter is resolved to your satisfaction. Maintain a calm and patient approach, even though the process can be frustrating.

Additionally, it might be useful to check your credit file regularly to monitor for any further errors or updates. Keeping an eye on your credit report can help you catch any issues early and address them promptly.

Is this comment AI-generated? It certainly reads like it.

That was my instant reaction too.  I've run it through an AI checker and it believes most of the text is AI generated. 

Desmond_Hume

GingerTim said:

FlaatusGoat said:

Sorry to hear you're dealing with this frustrating situation with Klarna and your credit file. Since you've already opened a case with them, it's important to follow up regularly. Keep a detailed record of all your communications, including dates, times, and the names of the representatives you speak with. This documentation can be helpful if you need to escalate the issue later.

Gather as much evidence as possible to support your claim. This might include payment receipts, bank statements, and any correspondence you’ve had with Klarna. Having this information at your fingertips will be useful if you need to present your case to a third party or if you escalate the issue with Klarna.

Next, reach out to the credit reference agencies that have your credit file, such as Experian, Equifax, and TransUnion. Explain the situation and provide them with the evidence you've gathered. They may be able to update your file if Klarna doesn't respond or rectify the error in a timely manner. Credit reference agencies have a duty to ensure the information they hold is accurate, so they can be a valuable ally in getting your file corrected.

Consulting a credit expert or financial advisor can also be beneficial. These professionals often have experience dealing with similar issues and can offer valuable guidance on how to navigate the situation. They might have strategies or insights that you haven't considered and can help you understand your rights and options.

If you find that Klarna remains unresponsive or you’re not satisfied with their handling of the case, you have the option to file a complaint with the Financial Ombudsman Service (FOS) or another relevant consumer protection agency. These organizations can investigate the matter and help mediate a resolution. They have the authority to require Klarna to correct the issue and possibly compensate you for any distress or inconvenience caused.

Throughout this process, it’s crucial to stay persistent. Resolving issues on your credit file can take time and effort, so continue to follow up until the matter is resolved to your satisfaction. Maintain a calm and patient approach, even though the process can be frustrating.

Additionally, it might be useful to check your credit file regularly to monitor for any further errors or updates. Keeping an eye on your credit report can help you catch any issues early and address them promptly.

Is this comment AI-generated? It certainly reads like it.

A number of that posters reply’s read the same.  I’m also calling AI for them. 

TheSpectator

GingerTim said:

FlaatusGoat said:

Sorry to hear you're dealing with this frustrating situation with Klarna and your credit file. Since you've already opened a case with them, it's important to follow up regularly. Keep a detailed record of all your communications, including dates, times, and the names of the representatives you speak with. This documentation can be helpful if you need to escalate the issue later.

Gather as much evidence as possible to support your claim. This might include payment receipts, bank statements, and any correspondence you’ve had with Klarna. Having this information at your fingertips will be useful if you need to present your case to a third party or if you escalate the issue with Klarna.

Next, reach out to the credit reference agencies that have your credit file, such as Experian, Equifax, and TransUnion. Explain the situation and provide them with the evidence you've gathered. They may be able to update your file if Klarna doesn't respond or rectify the error in a timely manner. Credit reference agencies have a duty to ensure the information they hold is accurate, so they can be a valuable ally in getting your file corrected.

Consulting a credit expert or financial advisor can also be beneficial. These professionals often have experience dealing with similar issues and can offer valuable guidance on how to navigate the situation. They might have strategies or insights that you haven't considered and can help you understand your rights and options.

If you find that Klarna remains unresponsive or you’re not satisfied with their handling of the case, you have the option to file a complaint with the Financial Ombudsman Service (FOS) or another relevant consumer protection agency. These organizations can investigate the matter and help mediate a resolution. They have the authority to require Klarna to correct the issue and possibly compensate you for any distress or inconvenience caused.

Throughout this process, it’s crucial to stay persistent. Resolving issues on your credit file can take time and effort, so continue to follow up until the matter is resolved to your satisfaction. Maintain a calm and patient approach, even though the process can be frustrating.

Additionally, it might be useful to check your credit file regularly to monitor for any further errors or updates. Keeping an eye on your credit report can help you catch any issues early and address them promptly.

Is this comment AI-generated? It certainly reads like it.

I saw a different post from the same user name yesterday and was obviously AI generated as well (and inaccurate).

Not sure if worth reporting?

PHK

I would post this on one of the debt forums as this isn’t a consumer rights issue. 

(And please do ignore the inaccurate AI nonsense)

GingerTim

TheSpectator said:

GingerTim said:

FlaatusGoat said:

Sorry to hear you're dealing with this frustrating situation with Klarna and your credit file. Since you've already opened a case with them, it's important to follow up regularly. Keep a detailed record of all your communications, including dates, times, and the names of the representatives you speak with. This documentation can be helpful if you need to escalate the issue later.

Gather as much evidence as possible to support your claim. This might include payment receipts, bank statements, and any correspondence you’ve had with Klarna. Having this information at your fingertips will be useful if you need to present your case to a third party or if you escalate the issue with Klarna.

Next, reach out to the credit reference agencies that have your credit file, such as Experian, Equifax, and TransUnion. Explain the situation and provide them with the evidence you've gathered. They may be able to update your file if Klarna doesn't respond or rectify the error in a timely manner. Credit reference agencies have a duty to ensure the information they hold is accurate, so they can be a valuable ally in getting your file corrected.

Consulting a credit expert or financial advisor can also be beneficial. These professionals often have experience dealing with similar issues and can offer valuable guidance on how to navigate the situation. They might have strategies or insights that you haven't considered and can help you understand your rights and options.

If you find that Klarna remains unresponsive or you’re not satisfied with their handling of the case, you have the option to file a complaint with the Financial Ombudsman Service (FOS) or another relevant consumer protection agency. These organizations can investigate the matter and help mediate a resolution. They have the authority to require Klarna to correct the issue and possibly compensate you for any distress or inconvenience caused.

Throughout this process, it’s crucial to stay persistent. Resolving issues on your credit file can take time and effort, so continue to follow up until the matter is resolved to your satisfaction. Maintain a calm and patient approach, even though the process can be frustrating.

Additionally, it might be useful to check your credit file regularly to monitor for any further errors or updates. Keeping an eye on your credit report can help you catch any issues early and address them promptly.

Is this comment AI-generated? It certainly reads like it.

I saw a different post from the same user name yesterday and was obviously AI generated as well (and inaccurate).

Not sure if worth reporting?

I find it really disrespectful to people who have come here with genuine questions and problems (not to mention misleading).

Aylesbury_Duck

If people report obvious AI posts as spam, the posts will disappear.

born_again

GingerTim said:

TheSpectator said:

GingerTim said:

FlaatusGoat said:

Sorry to hear you're dealing with this frustrating situation with Klarna and your credit file. Since you've already opened a case with them, it's important to follow up regularly. Keep a detailed record of all your communications, including dates, times, and the names of the representatives you speak with. This documentation can be helpful if you need to escalate the issue later.

Gather as much evidence as possible to support your claim. This might include payment receipts, bank statements, and any correspondence you’ve had with Klarna. Having this information at your fingertips will be useful if you need to present your case to a third party or if you escalate the issue with Klarna.

Next, reach out to the credit reference agencies that have your credit file, such as Experian, Equifax, and TransUnion. Explain the situation and provide them with the evidence you've gathered. They may be able to update your file if Klarna doesn't respond or rectify the error in a timely manner. Credit reference agencies have a duty to ensure the information they hold is accurate, so they can be a valuable ally in getting your file corrected.

Consulting a credit expert or financial advisor can also be beneficial. These professionals often have experience dealing with similar issues and can offer valuable guidance on how to navigate the situation. They might have strategies or insights that you haven't considered and can help you understand your rights and options.

If you find that Klarna remains unresponsive or you’re not satisfied with their handling of the case, you have the option to file a complaint with the Financial Ombudsman Service (FOS) or another relevant consumer protection agency. These organizations can investigate the matter and help mediate a resolution. They have the authority to require Klarna to correct the issue and possibly compensate you for any distress or inconvenience caused.

Throughout this process, it’s crucial to stay persistent. Resolving issues on your credit file can take time and effort, so continue to follow up until the matter is resolved to your satisfaction. Maintain a calm and patient approach, even though the process can be frustrating.

Additionally, it might be useful to check your credit file regularly to monitor for any further errors or updates. Keeping an eye on your credit report can help you catch any issues early and address them promptly.

Is this comment AI-generated? It certainly reads like it.

I saw a different post from the same user name yesterday and was obviously AI generated as well (and inaccurate).

Not sure if worth reporting?

I find it really disrespectful to people who have come here with genuine questions and problems (not to mention misleading).

See you have posted in the site support in the recent thread on this.👍

LightFlare

GingerTim said:

FlaatusGoat said:

Sorry to hear you're dealing with this frustrating situation with Klarna and your credit file. Since you've already opened a case with them, it's important to follow up regularly. Keep a detailed record of all your communications, including dates, times, and the names of the representatives you speak with. This documentation can be helpful if you need to escalate the issue later.

Gather as much evidence as possible to support your claim. This might include payment receipts, bank statements, and any correspondence you’ve had with Klarna. Having this information at your fingertips will be useful if you need to present your case to a third party or if you escalate the issue with Klarna.

Next, reach out to the credit reference agencies that have your credit file, such as Experian, Equifax, and TransUnion. Explain the situation and provide them with the evidence you've gathered. They may be able to update your file if Klarna doesn't respond or rectify the error in a timely manner. Credit reference agencies have a duty to ensure the information they hold is accurate, so they can be a valuable ally in getting your file corrected.

Consulting a credit expert or financial advisor can also be beneficial. These professionals often have experience dealing with similar issues and can offer valuable guidance on how to navigate the situation. They might have strategies or insights that you haven't considered and can help you understand your rights and options.

If you find that Klarna remains unresponsive or you’re not satisfied with their handling of the case, you have the option to file a complaint with the Financial Ombudsman Service (FOS) or another relevant consumer protection agency. These organizations can investigate the matter and help mediate a resolution. They have the authority to require Klarna to correct the issue and possibly compensate you for any distress or inconvenience caused.

Throughout this process, it’s crucial to stay persistent. Resolving issues on your credit file can take time and effort, so continue to follow up until the matter is resolved to your satisfaction. Maintain a calm and patient approach, even though the process can be frustrating.

Additionally, it might be useful to check your credit file regularly to monitor for any further errors or updates. Keeping an eye on your credit report can help you catch any issues early and address them promptly.

Is this comment AI-generated? It certainly reads like it.

Yes - the poster seems to have generated several posts like it recently (most of which contain incorrect info)

Have reported as “technical disruption”