Consumer complaint received 2021-06-16
Company: ENOVA INTERNATIONAL, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I was reading my XXXX emails and I saw that XX/XX/XXXX a company called Net Credit had sent me an email Update on a credit application. So I opened the email and it was a denial for an auto loan which I did not apply for. So I remembered seeing the name of the company somewhere before and it was on my XXXX XXXX page as one of their recommendations for a personal loan along with another company called XXXXXXXX XXXX. When I looked at my account there was a disclaimer box next to the two companies saying there will be an email letter of adverse credit sent to me by one of these companies. So it did not dawn on me at the time why that would be happening. After I sent the email the disclaimer box mysteriously disappeared. Luckily I took a screen shot beforehand to prove it was there. So I decided to call the company to ask what was going on. When I called I spoke to the Rep and she could not give me any information but pulled up my email address and told me to call the police get a report number for identity theft and call back to give them the number. So I did. The officer came to my home took the information and gave me his information and the police report number along with the credit bureau numbers. The only problem with the resource numbers is that the email that NetCredit sent said they used XXXX XXXX and I did not have that number to call because most people do not know that they are apart of decision making for loans of any kind. On XX/XX/XXXX I sent an email the XXXX XXXX security data department since there was no phone number or any contact information for a situation like this. I was sent an email response back immediately with a case number and letting me know that someone would get back to me. On XX/XX/XXXX XXXX received an email asking me for my email and birth date. Then they said someone more prepared would get back to me to take care of this matter. On XX/XX/XXXX there was another application ran by NetCredit using my old address that was denied for a personal loan. Now During this entire month since I received the police report number I have been trying to get in contact with Netcredit but they keep you on hold for hours. The strange part of the first loan was the city listed on under my address was part of my password for XXXX XXXX. I thought that was really strange although it may not have played any part in this scheme. As of the date of this complaint I have not heard back from XXXX XXXX after another status update email was sent by me on XX/XX/XXXX. Net Credit has listed on their website if you have problems to contact the ftc. The problem with the ftc is that they don't do anything but educate you. I don't need the education Netcredit and XXXX XXXX  does on how not to use people 's information without their permission. I know their is something I can do to stop them and hold them accountable for their actions because they deserve it. Even if the loans did not go through what if they did. I would have had a bigger problem just getting rid of them. Now I have those denials listed on XXXX XXXX for XXXX XXXX getting paid and NetCredit making quota.

Company response to consumer: Closed with explanation