Consumer complaint received 2017-12-12
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I first contacted XXXX on XXXX/XXXX/XXXX regarding a letter I received from them stating I had an account that was past due in the amount of {$1500.00}. I formally put them on notice I was disputing this claim and requested validation of debt. The first letter I sent was sent certified XXXX XXXX XXXX XXXX XXXX XXXX ) with signature required. The letter was delivered and signed for on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, 30 days after XXXX signed for my letter, I obtained a new copy of my credit report and noticed they did not furnish the three ( 3 ) major credit bureaus with the required disclosure, within the period required by law. As required by law, a creditor must place a " notice of dispute '' on an account within 30 days of dispute, as such, they have violated FCRA Section 623 ( a ) ( 3 ) and/or FDCPA Section 8079 ( 8 ) by not placing the disclosure within the required 30-day time period. I received no reply from XXXX to my first letter and to date, my most recent credit report dated, XXXX/XXXX/XXXX still shows that XXXX has not marked this trade line as disputed with the credit reporting agencies, a clear violation as mentioned above. 

I followed up with a second letter dated XXXX/XXXX/XXXX after receiving a letter stating that I had an account that was past due in the amount of {$10000.00}, almost one year after my first letter was sent to XXXX  requesting debt validation. My second letter was also sent certified mail ( XXXX XXXX XXXX XXXX XXXX ) and was delivered on XXXX/XXXX/XXXX. I once again requested debt validation in my letter and noted that my credit report has been negatively affected because of this reporting and they have continued to fail to provide competent evidence validating this debt with my signature. 

On XXXX/XXXX/XXXX, I received a letter from XXXX stating they were including a signed contractual agreement and payment history report. The " contractual agreement '' I received did not have my signature on it, only my name typed in the signature line, dated XXXX/XXXX/XXXX. 

Finally, I sent a certified letter to XXXX XXXX XXXX on XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX ), putting them on notice that the address furnished by XXXX on my credit report was inaccurate data as they provided a false address to reach them. It was only after my own research I was able to track down their correct address to begin mailing correspondences. XXXX to date has not acknowledged my complaint of this violation however, XXXX has updated their address with the correct one on subsequent credit reports. 

I continue to request and ask that since this debt can not be validated, this trade line be removed from my credit report and this creditor and the credit reporting agencies be held accountable to their clear violation of both the FCRA and FDCPA. 

Should you require any further information, please do not hesitate to contact me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation