Consumer complaint received 2024-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prosper Marketplace, Inc.
State: SC

Complaint narrative:
PUBLIC THIS IS A PUBLIC COMMUNICATION TO ALL Notice to agent is notice to principal Notice to principal is notice to agent Applications to all successors and assigns All are without excuse Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX I, XXXX XXXX XXXX requested debt validation via certified mail on XX/XX/XXXX to : Prosper XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX. In this letter, I gave 30 days notice for Prosper XXXX to respond and provide me with the information that I requested. Additionally, I requested that Prosper XXXX cease all debt collection efforts until they were able to provide me with the information I requested in writing. I requested that Prosper Cards cease the reporting of unverified, invalidated inaccuracies, pursuant to the Fair Debt Collections Practices Act ( FDCPA ). Prosper XXXX continues to ignore my requests and Prosper XXXX has failed to provide me with the validated debt they claim I owe them. FURTHERMORE, Prosper XXXX sent a letter dated XX/XX/XXXX stating that Prosper XXXX has now placed this alleged debt with a third party debt collections agency : XXXX XXXX XXXX, XXXX as of XX/XX/XXXX. XXXX XXXX XXXX, XXXX is a third party debt collection agency attempting to collect this alleged debt on behalf of Prosper Cards after months of complete silence from Prosper XXXX. I received an debt collection email from XXXX XXXX XXXX, XXXX on XX/XX/XXXX. FURTHERMORE, I submitted complaint # XXXX to the CFPB on XX/XX/XXXX and Prosper XXXX responded stating that they would cease all debt collection activities, and they also stated that they had emailed me the requested information regarding this alleged account. Prosper XXXX also stated that they would continue the reporting of unverified/invalidated debt to the credit bureaus. Furthermore, I have received XXXX correspondence from Prosper XXXX or XXXX XXXX XXXX, XXXX in writing as I have requested. Therefore, I am now submitting another complaint to the CFPB in hopes of a resolution. TO ALL PARTIES AND THEIR ATTORNEYS OF RECORD : PLEASE TAKE NOTICE : XXXX XXXX XXXX. al, gives notice, THIS IS A PUBLIC COMMUNICATION TO ALL ; Notice to agent is Notice to principles ; Notice to principles is Notice to assigns ; Applications to all successors and assigns ; All are without excuse It is not now, nor has it ever been XXXX XXXX et als intention to avoid paying any obligation that is legally and lawfully owed. THEREFORE, XXXX XXXX et al hereby gives notice, as XXXX XXXX et al, has always given notice, in order that XXXX XXXX et al can make arrangements to pay an obligation which XXXX XXXX et al may owe, obligatory lawfully legal documentation that has been lawfully and legally verified and validated the claimed alleged debt must be done so by complying in good faith with request for validation, and notice that XXXX XXXX et al does dispute part of, or ALL of the XXXX XXXX XXXX, XXXX XXXX. al. non verified nor validated claimed alleged debt. THEREFORE, XXXX XXXX et al, hereby memorializes this notice for the record on the public record to be made part of the record, and does put XXXX XXXX XXXX, XXXX et. al. et. on notice, due to continual demands to produce legally lawful evidence with proper jurisdictionally substantive supporting statutes and case laws that support each and every claimed allegations made by XXXX XXXX XXXX, XXXX et. al. XXXX. XXXX XXXX XXXX, XXXX et. al. are hereby demanded to furnish a copy of the original promissory note redacting alleged social security number to prevent identify theft and state under penalty of perjury under oath, that they are the account holder in due course of the promissory note and will produce the original for XXXX XXXX et als own, and a judges inspection should there be a trial to contest these matters. XXXX. XXXX XXXX XXXX, XXXX et. al. is hereby demanded to produce the account and general ledger statement showing the full accounting of the alleged obligation that they are now attempting to collect by authority of UCC 3-501 Presentment, which has continually failed to be produced on the public record for the public record to be made part of the record. XXXX. XXXX XXXX XXXX, XXXX et. al. is hereby demanded to identify by name and address all persons, corporations, associations, or any other parties, but not limited to, having an interest in legal proceedings regarding the alleged debt, but not limited to. As records show, XXXX XXXX et al gave ample notice stating XXXX XXXX XXXX al was exercising XXXX XXXX 's rights under authority of : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy an completeness of the information to be provided to the consumer by the agency, including the business name and address of ANY and ALL furnishers of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In accordance, XXXX XXXX XXXX, XXXX et. al. are to provide XXXX XXXX with the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each and ALL person ( s ) contacted regarding alleged account, and amount owed. A copy of ANY documents provided bearing XXXXXXXX XXXX wet ink signature, showing that XXXX XXXX has a legally binding contractual obligation to pay XXXX XXXX XXXX, XXXX XXXX. al. Verification of valid basis for claiming XXXX XXXX is required to pay the alleged claimed current amount owed. Details about the age and amount of the debt including a copy of the last True Bill from the original creditor. A detailed explanation of ANY interest added or payments made since the last TRUE BILL and the legal authorization for this interest. The date the original creditor claims the alleged debt became delinquent. Unlike a statement, or invoice that show what was owed, and has already been paid, that is also affirmed by the South Carolina Comptroller Governors Annual Report, and the GAO ( General Accounting Office ), a TRUE BILL shows what is owed, and has not been paid. Whether this debt is within the SOL ( Statute Of Limitations ), and precisely how that was determined. Details about XXXX XXXX XXXX, XXXX et. al. authority to collect the alleged debt : whether XXXX XXXX XXXX, XXXX et. al. and are licensed in the state of residence, and if so provide the date of license, name on the license, and the license number, and the name, addresses, and telephone number of the state agency issuing the license. If XXXX XXXX XXXX, XXXX et. al. are contacting XXXX XXXX from of the state, provide the licensing information from XXXX XXXX XXXX, XXXX et. al. state as well. NOTICE WAS, AND IS STILL GIVEN, ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION IS UNACCEPTABLE Due to no responses from Prosper XXXX XXXX XXXX XXXX XXXX XXXX. al. XXXX XXXX gives notice that : XXXX XXXX XXXX, XXXX et. al. are engaging in : negligence and harassment against XXXX XXXX, illegally and unlawfully harassing XXXX XXXX via email communications regarding this alleged debt. These manipulation tactics are causing XXXX XXXX ongoing harm, and ongoing intentional infliction of stress and emotional damages, that is also causing XXXX XXXX relentless ongoing damages and harm. FURTHERMORE, Prosper Cards have refused to provide the completed CORPORATE GOVERNMENT EMPLOYEE QUESTIONNAIRE FORM This questionnaire form is lawfully legally obligatory to return as it is enacted by the Senate and the House of Representatives of the United States of America by Congress assembled, that is cited by THE PRIVACY ACT OF 1974 ( As Amended ) Public Law 93-579, as codified at 5 U.S.C. 552a. As records show, XXXX XXXX XXXX, XXXX et. al. are in fact corporate government employees, and are therefore legally and lawfully obligated to return a fully compliant XXXX Government XXXX XXXX XXXX. I give notice I do not know the law. I give notice that the foregoing is true and correct to the best of my knowledge. Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX Subscribed To And Sworn XXXX Before XXXX [ XXXX XXXX ] this 18 day of XX/XX/XXXX Acknowledgement By Publication Notice to agent is notice to principal : Notice to principal is notice to agent

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