Consumer complaint received 2023-09-15
Company: LendingPoint Holdings LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have not supplied proof under the doctrine of estoppel by silence. XXXXXXXX XXXX XXXXXXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists. 
I HAVE NO CONNECTION TO XXXX XXXX XXXX XXXX ( A FICTITOUS CREDITOR MADE UP BY CENTRAL PORTFOLIO CONTROL ). ALL HAS BEEN PAID THROUGH IRS DISCHARGE AND THE CONTACT I HAVE RECIEVED FROM THE MAIL FROM XXXX XXXX  XXXX AND XXXX XXXX XXXX XXXX IS A VIOLATION OF THE FDCPA. 

I DEMAND THAT YOU CEASE AND DESIST ALL CONTACT THROUGH MAIL, PHONE, AND DIGITALLY! 
2ND CEASE AND DESIST WARNING THAT IS PUNISHABLE BY VIOLATION. 
RE : CLAIMS AND FAIR NOTICE XX/XX/23 2ND CEASE AND DESIST NOTICE AFTER THE XXXX  XXXX ACCOUNT HAS BEEN PAID TO XXXX BALANCE AND DISCHARGED WITH PROOF. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Michigan State Attorney General XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX I am writing this letter to formally enforce my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 et seq., in relation to the alleged debt you are attempting to collect from me. Delete your account from my credit report across all agencies now! You at XXXX XXXX XXXXXXXX XXXX XXXX XXXX ARE RUINING MY CREDIT. I WILL ENFORCE CLAIMS OF {$10000.00} FOR EACH VIOLATION. 

I have received communications from your agency IN MAIL AND PHONE CALLS regarding the debt in question, and I believe that your actions may constitute violations of my rights as outlined in the FDCPA. 
Therefore, I am requesting that you cease all communication with me and take the necessary actions to comply with the FDCPA immediately. 

Specifically, I believe the following FDCPA provisions have been violated : Section 805 ( c ) : Communication with Third Parties I have reason to believe that your agency has communicated or disclosed information about my debt to third parties, which is prohibited by the FDCPA. 

Section 807 ( 5 ) : Threatening Legal Actions I have received written correspondence from your agency that suggests legal action may be taken against me without any intention or legal basis for such action. This behavior is in violation of the FDCPA. 

Section 807 ( 10 ) : Using False Representation or Deceptive Means Your agency may have used false, deceptive, or misleading tactics in attempting to collect this debt, in violation of the FDCPA. 

Under the FDCPA, you are obligated to cease all communication with me until you have fully investigated and remedied these alleged violations. Please consider this letter as a formal dispute of the debt as well as a cease and desist request under the FDCPA. I request that all communication regarding this debt be halted immediately, and I expect you to respond to this letter in writing within 5 days. Failure to comply with the FDCPA may result in legal action, including a lawsuit against your agency. I trust that you will take this matter seriously and act promptly to rectify any violations.

Company response to consumer: Closed with explanation