Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blend Labs, Inc.
State: IL

Complaint narrative:
QWR, DVR and Complaint against Servicers and debt collectors XXXX XXXX and Sub Originator, Servicer and Debt Collector Blend Labs , Inc for violations of FDCPA, TILA, RESPA, UCC, making false statements to the Government Agency, illegal use of unregulated artificial intelligence for criminal purposes and other misconduct. Both Companies are part of Servicing and Debt collection team, thus are servicers and debt collectors under RESPa and FDCPA. Blend Labs and all hidden parties must be disclosed to me under TILA as well as compensation received by them for originating my faux " VA Loan Transaction '' On XX/XX/XXXX I spoke with call center XXXX XXXX XXXX XXXX who impersonated as a Lender who can sell me VA guaranteed loan ] and its employee XXXX XXXX. 
XXXX provided me a link to " secured website '' which was owned and operated by suborigiantor, servicer and debt collector Blend Labs, inc. which is fully integrated into XXXX XXXX XXXX XXXXXXXX Servicer and debt collector XXXX XXXX XXXXXXXX XXXX. 
I signed the Contract provided to me by Blend Labs , Inc, not with call center XXXX XXXX XXXX XXXX. Blend Lab - who was the ACTUAL suboriginator - forwarded my Application to originator XXXX whose fully automated Mortgage Servicing Platform XXXX XXXX  program and faux branch XXXX generated false " Flood Map Determination ''. XXXX 's XXXX prepared faux " loan documents '' ; provided me " Commitment Letter '' from XXXX XXXX XXXX XXXX XXXX [ fully owned by hedge fund XXXX XXXX ] ; and illegally inserted XXXX XXXX aka Intercontinental Exchange ] as a Mortgagee. 
Closing Disclosures were automatically generated by fintech company XXXX and did NOT disclosed the REAL originator XXXX ; suborigiator Blend Labs ; Caliber - whose commitment Blend Labs sent to me via its " secured website '' and XXXX XXXX who was the 100 % owner of Caliber Closing Disclosures were forged to remove Pacific Time Zone where they were forwarded to Blend Labs who generated them to me via " secured email '' All these documents were sent by suboriginator, servicer and debt collector Blend Labs to the closing Agent XXXX XXXXXXXX XXXX XXXX did not participate in any part of my transaction other than forwarding to me link to Blend Labs , Inc and providing its name for faux documents.

Since my transaction was so-called " VA Guaranteed loan '' it must be FUNDED by XXXX XXXX  and SOLD to XXXX. It never happened because XXXX was not the lender, did not fund the loan and never sold anything to XXXX or anyone else. 
Blend Labs generated a forged XXXX XXXX XXXX on my closing day, XX/XX/XXXX, without any disclosures to me XXXXXXXX XXXX  was not the Creditor and did not owned my alleged " DEBT '' to have any authority to hire XXXX XXXX XXXX XXXX XXXX whose employee XXXX XXXX attached forged signatures on fraudulent and illegal " Assignment of Mortgaeg '' on XX/XX/XXXX when XXXX became XXXX XXXX XXXX who is fully responsible for this Assignment under " respondeat superior, '' meaning " let the master answer, ''

Company response to consumer: Closed with explanation