Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: LendingPoint Holdings LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Formal Notice of FDCPA Violations and Dispute of Debt To Whom It May Concern, I am writing to formally dispute the alleged debt you have attempted to collect from me. Additionally, I am notifying you of multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Each violation carries a statutory damage amount of up to {$1000.00} per infraction, as outlined in 15 U.S.C. 1692k ( a ) ( 2 ) ( A ) - ( B ). Evidence supporting these violations is attached.

Violations of the FDCPA : 1. Violation of 15 U.S.C. 1692b ( 2 ) : You improperly disclosed that I allegedly owe a debt to a third party, which is prohibited under this section. Evidence will be provided. 
2. XXXX XXXX XXXX is in Violation of 15 U.S. Code 1692b ( 3 ) : not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; Evidence will be provided. 
3. XXXX XXXX XXXX is in Violation of 15 U.S.C. 1692b ( 5 ) : not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt 4. XXXX XXXX XXXX is in Violation of 15 U.S.C. 1692c ( a ) : You communicated with me regarding the alleged debt without my prior consent or a court order, which is a violation of my rights under this section. Evidence will be provided. 
5. XXXX XXXX XXXX is in Violation of My Right to Privacy : You have my Social Security number without my consent. I never authorized you to obtain, store, or use my personal information, which is an invasion of my privacy. Evidence will be provided. 

I acknowledge that you have engaged in an unfair and illegal business practice by unlawfully sharing my Social Security number with a third party without my consent. This is a clear violation of my right to privacy, and I never authorized you to disclose my personal information. Your actions are illegal and unacceptable. 

Legal Demand : Due to these violations, I am asserting my rights under 15 U.S.C. 1692k ( a ) ( 2 ) ( A ) and seeking statutory damages of {$1000.00} per violation. If these matters are not resolved immediately, I reserve the right to escalate this complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Furthermore, I am demanding that you : Immediately cease all communication with me regarding this alleged debt. 
Provide written confirmation that you will not attempt further collection efforts. 
Remove any unauthorized access or use of my Social Security number and confirm in writing that this has been done. 

Failure to comply with this demand will leave me with no choice but to pursue legal action. I expect a response within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX Attachments : List of Evidence

Company response to consumer: Closed with explanation