From what we've seen posted here so far, re identity theft, we have the husband claiming the wife done him wrong, but we don't see the evidence, if any, and the court hasn't ruled yet. Prosper claims that they put the money in his account, and that he lost the evidence.
I wouldn't expect Prosper to buy the loan back yet- with only allegations of ID theft. ALong with others, I do have serious questions about their "we're only the agents" claims.
of course, IANAL.
If his claims are proven, then yeah, they owe lenders some money.