Consumer complaint received 2021-10-18
Company: Prosper Marketplace, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Be it known to all who call themselves " government, '' their " courts, '' agents, and other parties, that I, XXXX XXXX, am a consumer whose consumer rights are to be protected by the Fair Debt Collection Practices Act, Truth In Lending Act, Equal Credit Opportunity Act and Fair Credit Reporting Act. I certify under penalty of perjury that the foregoing is true and correct. This statement of truth to be presented will display blatant acts of consumer rights protection violations and fraud against myself being a consumer by Prosper Funding LLC located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ; which will continuously be referred to as " Prosper ''. On XX/XX/2021 I sent a cease and desist and alleged debt validation letter in regards to an unauthorized credit transaction listing on all of my credit reports that violates 15 usc 1692C ( b ), which was performed by Prosper to Prosper Funding LLC via certified mail. The cease and desist and alleged debt validation letter sent certified mail was acknowledged and received by Prosper on XXXX XXXX XXXX. After requesting debt validation within 14 days of receipt of the debt validation and cease and desist letter, prosper has not responded which is an admission of guilt and prosper also continues too collect on this alleged debt that was never validated by continuing to report to all credit reporting agencies which violates 15 usc 1692C ( b ). Prosper continues to communicate with me via email and phone despite the fact that they have been served with a cease and desist letter which violate 15 usc 1692c ( c ). Prosper has also been communicating with 3rd parties about my alleged debt without my consent which violates 15 usc 1692g and 15 usc 1681b. Prosper has accused me of late having payments on an open ended consumer credit transaction which violates 15 usc 1666b. They have sent me unauthorized and harassing communication that violates my privacy and consumer protection laws per 15 usc 1692, 15 usc 1681, 15 usc 1601 and have also created much hardship for me financially, mentally, emotionally, and professionally which violates 15 usc 1692d. This statement of facts clearly displays how Prosper knowing and willingly conducted an unauthorized consumer credit transaction and continue to do so illegally. Prosper has been blatantly stealing my money from my bank account and they continue to participate in illegally debt collection practices. While Prosper conducts unauthorized consumer credit transactions, my rights continue to be violate as a consumer. The below list of exhibits is proof that Prosper has been violating my consumer rights, disregarding federal laws, defaming my character, limiting my financial freedom, affecting my familys current and future means of living. This account needs to reflect a XXXX ( XXXX  ) balance and be reported as Paid As Agreed to all consumer and credit reporting agencies because pursuant Public Law Chap 48 Stat. 112 of the federal governments obligation to me ( not XXXX ) gives me the right to open ended consumer credit transactions and this is due to the fact that there is an insufficient amount of lawful money in general circulation to meet the needs of the people, which includes me. Due to this the federal government gave me a remedy in which the federal government will pay my debts and alleged debts, dollar for dollar. Prosper needs to stop stealing, violating federal law, and harassing me. Prosper should also return all of the money they have stolen from my bank account upon receipt of this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation