Consumer complaint received 2021-10-19
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received alerts that an unknown Credit hard inquiry was placed on my credit report, specifically XXXX so far. 
I have not applied for any sort of credit application in over a year, and have never contacted either of the companies I have identified at any time. 
- - - Through some looking around, it appears that my personal email address was found on dark web monitoring, and I also received several emails from the same name as showed up on my XXXX report. 
I have tried contacting the company on the credit report directly ( NetCredit  ), and through several attempts to get them on the phone no one ever picks up. 
The emails indicate that it was a line of credit application of some sort, probably some sort of loan, but it appears as if it was denied - but this has not been truly confirmed yet. 
Attempting to contact the company listed in the emails that look to relate to this ( CashNetUSA ), they say my information ( Phone, SSN, Email and Name ) do not appear in their system. When pulling up by the account / application number in the email, I was told that this account was in fact denied, but was told again, that my identifying information ( Phone, SSN, Name & Email ) was not listed on this account and so they could not assist me further ( even though this same email was how I got their contact information and account number in the first place ). 
I have requested a credit freeze with XXXX, and am in the process of reporting the fraud alert to them as well. 
I am also in the process of doing the same with the other credit reporting agencies as well. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX Credit Report Information : Date of Hard Inquiry = XX/XX/2021 Company Name = NetCredit FS -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Information from Emails ( at the time this was discovered that correlate to this fraud, More details can be given in secure communications if needed ) from : XXXX to : XXXX [ XXXX ] date : XX/XX/2021, XXXX AM subject : Your Line of Credit Application XX/XX/2021 Dear [ **My Name - Redacted for Privacy** ] Thank you for your recent application for a line of credit. Your request was carefully considered, and we regret that we are unable to approve your request. 
Reasons for Denial of Credit - Number of recent inquiries. 
CashNetUSA Customer Support XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX www.CashNetUSA.com -- -- -- -- -- -- -- -- -- -- -- -- -- -- from : NetCredit XXXX to : XXXX [ XXXX ] date : XX/XX/2021, XXXX PM subject : Your Application is Being Processed mailed-by : XXXX signed-by : XXXX Dear XXXX, Account # : [ XXXX ] Thank you for choosing NetCredit. Your signed loan agreement with NetCredit has been received and your application has been forwarded to our Loan Processing Team for review The NetCredit Customer Support Team Phone : ( XXXX ) XXXX Email : XXXX Fax : ( XXXX ) XXXX www.netcredit.com -- -- -- -- -- -- -- -- -- -- -- -- -- -- If I need to be reached for further information, my ( legitimate ) information will be provided as needed.

Company response to consumer: Closed with explanation