Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc.
State: KS

Complaint narrative:
DEBT VALIDATION CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX Your Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, Kansas XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Re XXXX Validation Request Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status on Report : Last reported XXXX account closed To Whom It May Concern : I am requesting full debt validation under FDCPA 809 ( 15 U.S.C. 1692g ) regarding the above-referenced account you have furnished to XXXX. 
Please provide : Proof of your legal authority to collect. 
Full contract or retail installment agreement with my signature. 
Complete payment history and deficiency balance calculation. 
Chain of title from original creditor to present. 
Verification of all data being reported ( XXXX, dates, amounts ). 
Until validation is provided, cease all collection activity as required by law. 
If you can not validate, delete this account from all consumer reporting agencies. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Formal Demand to Cease and Desist Communication This letter is a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), requiring you to CEASE AND DESIST ALL FURTHER COMMUNICATION with me concerning the debt referenced below. 
Original Creditor : Unknown Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unknown Debt Amount : {$210.00} You recently sent me a letter, dated XX/XX/XXXX, which acknowledged my dispute and stated that you would cease collection activity and request that the consumer reporting agencies delete this account. 
This letter serves to formally reinforce that action and require the following : IMMEDIATE CESSATION OF ALL CONTACT : I demand that you immediately cease and desist all direct or indirect communication with me, my family, or my employer regarding the above-referenced account, including but not limited to, telephone calls, mail, email, and text messages. 
CREDIT REPORTING DELETION : I demand that you follow through immediately on your commitment to request deletion of this account from all consumer credit reporting agencies ( XXXX XXXX XXXX XXXX ) and provide written confirmation to me when this deletion has been completed. 
NO CONTACT EXCEPT AS ALLOWED BY LAW : You may only contact me XXXX last time to advise me that collection efforts are being terminated or that you intend to pursue a specific legal remedy, as explicitly permitted under 15 U.S.C. 1692c ( c ). 
Be advised that any violation of this cease and desist demand will be reported immediately to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Attorney General of my state. 
I expect full and immediate compliance with this notice. 
Sincerely, XXXX XXXX XXXX XXXX

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