Consumer complaint received 2018-08-18
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted XXXX on XX/XX/2018 to alert the company that a fraudulent loan had been obtained in my name. Since that time we ( my wife and I ) have continued to contact them by way of phone, email, and fax to remove the information from my credit report. As of XX/XX/2018, the company sent me a collection email when my wife called customer service on XX/XX/2018 to inquiry about the status of the identity theft. At that point, she was told once again, that I am behind on payments. When she communicated that this was identity theft, she was told they had not received the information so while on the phone she emailed the documents to customer service. I have upload the communications to the company minus an original fax that was sent in XX/XX/2018. 

On XX/XX/2018, they sent me an email to say that they concluded that I was the account holder. When in fact, I am not the account holder nor have ever been an account holder. 

At this point, I have submitted all documentation ( including police report # XXXX ) including my credit report. I have sent this documentation numerous times via fax and email. Each time I or my wife have spoken with any representative from the company regarding this matter I have told them that the email, bank account and phone number associated with this account are not mine. 

I have never received any form of communication from this company with the exception the initial response letter to my letter notifying them of the fraud, and after my wife called customer service on XX/XX/2018. At that time, the customer service representative requested that I email the police report ( # XXXX ) with supporting documents so they could forward them to the fraud department once again. Then, the next day, on XX/XX/2018, I received a past due notice for the fraudulent loan via email. 

I have requested ALL documentation associated with this loan which includes original application and supporting documents, all names associated with or have paid on the account, IP address used to obtain the loan, phone numbers, addresses, emails, bank information ( name of bank ( s ) and account number ( s ) ), payment dates and any other accounts  associated with my name, social security number and birth date. I also have requested a transmittal of all notations made on account this from any and every person regarding this loan and any other loans made with my name and social security number. 

I have requested that my name be removed from this loan and that the derogatory information be removed from all credit bureaus that are reporting this inaccurate and fraudulent information. I have notified this company that my name, date of birth, and social security are NOT be used to obtain any credit with NETCREDIT or any of its affiliates. 

Apparently this company disregards the law. Please see below. 

Under the FCRA, consumers can sue for : Statutory damages of {$100.00} {$1000.00} per violation Actual damages for injury the consumer suffered Emotional damages for stress or physical ailments resulting from the ordeal Punitive damages to punish the violator for their actions This is adversely affecting my credit. Companies that I have done business with for years are lowering and closing my credit lines. I have had ( 2 ) lines of credit decreased and one closed. Please see ( 1 ) attached letter I received today, XX/XX/2018. The ridiculousness of it all is that I sent this company a copy of my credit report XX/XX/2018 so they are well aware that my credit was in good standing prior to this fraudulent loan. 

I am retaining counsel if this is not resolved and the documents that I have requested are not sent to me.

Company response to consumer: Closed with explanation