Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc.
State: NV

Complaint narrative:
In XXXX of XXXX, I XXXX XXXX applied on line ( through XXXX XXXX ) with Prosper Marketplace for a personal loan of {$10000.00}. I was informed the loan was denied. In the pastI used Prosper Marketplace for a personal loan and paid back the entire loan ( never late ). On XX/XX/XXXX I found out that Prosper Marketplace put {$9500.00} in my account. I called Prosper Marketplace and informed them that I no longer needed the loan and wanted to return the loan. I was told I had to pay all the fees related to a loan I never signed for or terms I never agreed with regarding this loan. Prosper Marketplace refuse to admit they used my previous information illegally. The email address that was used is an email that was inactive since XXXX and Prosper didn't have my current email address until XXXX of XXXX ( after the loan was created ). I have an email from Prosper verifying they updated my current email on XX/XX/XXXX @ XXXXXXXX XXXX. Prosper sent email dated XX/XX/XXXX, stating Prosper found through their investigation that this loan was E-signed on XX/XX/XXXX ( ref # XXXX ). According to Prosper loan policy, 48 hours after loan terms are signed, money is disbursed to account ( borrower ). Prosper has never provided any transmitted documentation to show what email address this loan was sent to or any interactions related to this alleged account. My current credit report from XXXX dated XX/XX/XXXX, reflects 30, 60, 90 days late and a charge off for loan # XXXX Prosper Marketplace Inc. I have bank statements showing the initial deposit of XX/XX/XXXX. Automatic payment made on XX/XX/XXXX ( unauthorized ). Payment arrangements made XX/XX/XXXX, payment wasnt taken until XX/XX/XXXX. Submitted a written check # XXXX based on arrangements made to make final payment before the end of month. Prosper XXXX received check # XXXX and were paid final payment on XX/XX/XXXX. 
I have filed several complaints with Prosper Marketplace, regarding this fraudulent loan. Prosper responses ( reference # XXXX, # XXXX, XXXX ) On XX/XX/XXXX Prosper responded ( within XXXX hours ) stating the account was paid in full after the charge off on XX/XX/XXXX when in fact Prosper received final payment on XX/XX/XXXX. XXXX months afterwards Prosper sent an email XX/XX/XXXX, requesting {$41.00} after loan pay off. ( unexplained payment? ) On XX/XX/XXXX @ XXXX, I XXXX XXXX XXXX with Prosper Marketplace representative ( on a recorded call line by prosper ) which Representative stated Prosper records show loan # XXXX was e-signed on XX/XX/XXXX, then she corrected herself stating it was on XX/XX/XXXX. I was informed Prosper Marketplace policy is to release funds within XXXX hours of the signing terms of loan agreement. Prosper Marketplace email dated XX/XX/XXXX ( ref # XXXX ) states loan terms were signed on XX/XX/XXXX. I have bank statements showing initial deposit was made on XX/XX/XXXX. I have an email dated XX/XX/XXXX from Prosper Marketplace requesting another payment ( unknown payment ) after account was paid in full XX/XX/XXXX. 



I have also reported this matter to Nevada Attorney General Office which referred this matter to CFPB.

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