Consumer complaint received 2023-09-12
Company: LDF Holdings, LLC
State: MD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have no relationship with the following named companies, their subsidiaries or affiliates. I received the following email communication on XXXX with the regarding clause : XXXX followed by Notice of Adverse Action. 

I have never applied for a loan with this company and believe that my personal identifiable information has been misused fraudulently to apply for whatever loan this company and email are referencing. I wish to ensure that there is no impact to my credit rating resulting from any fraudulent inquiry they, their affiliates, subsidiaries and/or future assigns may have placed or will make. 

This company was deliberately evasive with their contact information and did not provide a city, state or zip code and I believe this form of communication is meant to deceive the least sophisticated consumer and to further defraud. 

The email reads : Dear ___ : You recently applied for a loan with the below creditor through one or more of its wholly-owned subsidiary companies : Niswi, LLC . dba Lendumo Thank you for your application. After carefully reviewing your application, we are sorry to advise you that we can not grant a loan to you. If you would like a statement of specific reasons why your application was denied, please contact us at the address below within 60 days of the date of this letter. We will provide you with the statement of reasons within 30 days after receiving your request. 

XXXX XXXX XXXX XXXX If we obtained information from a consumer reporting agency as part of our consideration of your application, its name, address, and toll-free telephone number are shown below. The consumer reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. 
If we, through one of our wholly owned subsidiary companies, obtained your credit score from the consumer reporting agency and used it in making the credit decision, information about your credit score is shown below. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes. 

LDF Holdings , LLC is a wholly-owned and operated subsidiary of the L.D.F. Business Development Corporation, which is a wholly-owned and operated economic arm and instrumentality of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The Tribe is a federally recognized Indian tribe, organized under a Constitution pursuant to the Indian Reorganization Act of 1934, 48 Stat. 984, 25 U.S.C. 476, et seq., as amended, and is identified on the United States Department of Interiors list of federally acknowledged Indian Tribes. 83 FR 34863-01 ( XXXX XXXX XXXX  ). The Tribe and LDF Holdings , LLC, as an arm of the tribe, are entitled to tribal sovereign immunity. As an arm of the Tribe, the creditor possesses all of the privileges and immunities of the Tribe. Please note that nothing in this communication should be construed as a waiver of sovereign immunity, which is expressly preserved. 

Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, XXXX, religion, national origin, XXXX, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act The Federal agency that administers compliance with the Federal Equal Credit Opportunity Act is the Federal Trade Commission, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX. 


Sincerely, Niswi, LLC. dba Lendumo XXXX XXXX XXXX XXXX I would not like to be contacted EVER via phone, text, email or USPS by this company, its affiliates, assigns, and designees, and for the purveyors of my personal identifiable information and credit file to be fined and remanded to the fullest extent of the law allowed. This constitutes a cease and desist letter to Niswi, LLC dba LENDUMO and its affiliates, partners, assigns, tribes and subsidiaries.

Company response to consumer: Closed with explanation