Consumer complaint received 2022-02-06
Company: Lending Club Corp
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
BILLING ERROR NOTICE Lending Club reinsertion previously deleted FRAUDULENT Inaccurate/invalidated account to the consumer reporting agencies. 

1. This is an attempt to validate a debt, against Lending Club under the Federal Debt Collection Practices Act ( hereinafter FDC PA ). I am exercising my legal right to validate a debt that this agency claim is owed. 2. This response is not a refusal to pay, this is my conditional acceptance pursuant to conditions being met as required by the Fair Debt Collection Practices Act ( hereinafter FDCPA ), 15 USC 1692g sec. 809 ( b ), and other applicable laws. I accept this claim, contingent upon the debt collection ( s ) providing verifications and validation as follow : Please provide proof of claim with evidence that you have legal and lawful authority to collect? Lending Club is attempting to collect a debt on the basis of fraud. Lending Club have no legally and lawfully rights to collect. Misrepresentation of a material fact, no loan or considerate was given for {$35000.00}. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within thirty-day described in subsection ( a ) that the debt, or any portion, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, until the debt collector obtains verification. VIOLATIONS of the Federal Debt Collection Practices Act ( FDC PA ), Truth in Lending Act ( TILA ), Privacy act, Identity theft and Fraud.1. Validation of the debt ( the actual accounting ) 2. Verification of claim ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties. Failure to substantiate the claim, please settle account immediately. XXXX challenging this account with XXXX, XXXX  and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). I will also file a complaint with the Attorney General. I will further pursue all of my legal remedy without further notice to Lending Club, XXXX, XXXX and XXXX. Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S.C. 1692g ( b ). Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S.C. 1692g ( b ).

I have attempted to resolve this matter formally before filing a complaint and lawsuit! 

Please provide three things : 1. Validation of the debt ( the actual accounting ), and 2. Verification of claim against me ( a sworn affidavit or signed invoice! ), and 3. A copy of the contract binding both parties.

I would be happy to pay any financial obligation I might lawfully owe as soon as these three documents are received. Im challenging this account with XXXX XXXX XXXX  XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate th

e claim, Delete Lending Club account from consumer reporting agencies immediately. Reporting Late payment and Utilization is illegal. Civil liability for willful noncompliance of Deletion, VIOLATIONS, DELETIONS TO CONSUMER REPORT. 15 u.s.c. 1681a and 15 USC 1681. ( 1 ) In
general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for, ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1692 K and 15 USC 1640 Civil liability.15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. Delete account from consumer report immediately.

Company response to consumer: Closed with explanation