Consumer complaint received 2017-06-12
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are at least 8-9 negative accounts on each two of three credit reports that I have with XXXX and XXXX. I have one with XXXX. After reaching out several times to all three bureaus about these items that were fraudulent on my reports, they in turn reached out to each creditor ( so they say ) with my concern. Within days, my reports came back as verified and accurate. I have requested from credit bureaus as well as all creditors involved to provide me with my handwritten and/or electronic signature as proof that I am the one who opened the accounts per FCRA guidelines. NEITHER companies will comply and is in direct violation of the law. I have furnished a copy of my police report ( XXXX told me to get this year ), ID Theft Affidavit ( dtd back to last year ) showing the accounts were not mine, as well as justified staff opinion letters, and a notarized item letter to address each account in question. All of my legal documents were ignored, and discarded. The credit bureaus/creditors still have not been able to provide me with proper documentation of my signature so that I may move forward in a civil suit against the perpetrator who has used my name and identification fraudulently. That is the main reason why I need this information, but since the companies have failed to provide me with it, now they are in direct violation. According to FCRA sect 6 ( b ) guidelines- Consumer 's signature must be provided as identification method for an account to be declared verified. If it can not be, the report must be fixed to reflect the deletion of the item permanently from the report. Be advised that if there is no resolution to this case, I will be including these companies in my lawsuit as well.The following creditors are in question : XXXX- ( cert letter sent X/XX/17 ) listed 4 times on XXXX report, 3 times on XXXX report, and 1 time on XXXX- all different account numbers. This company has failed to even respond back to my request for the legal contract with my signature.
<P/>
XXXX XXXX- ( cert letter sent XXXX ) listed on XXXX and XXXX report- responded back with ID theft affidavit/police report which I in turn sent back to them ( still awaiting their response ) XXXX XXXX- listed on XXXX/XXXX report- ( cert letter sent X/XX/17 ) responded back without providing legal signature of signed contract. Mysteriously sold the account to an unknown company thereafter. BE IT KNOWN that I shall have no dealings with third party debt collectors, only said original creditors that are listed on my report per FCRA guidelines.
<P/> Net Credit aka NC Financial- listed on XXXX/XXXX report- ( cert letter sent XXXX ) responded back with a " typed name '' and using that as my signature. This is unacceptable and does not fit the requirements listed in the terms of the FCRA.
<P/>
XXXX- listed on XXXX/XXXX report- ( cert letter sent X/XX/17 ) responded back with no valid signature on file for me. Just a " clickable dot '' that was suppose to confirm my signature. They quoted the E-Sign act in which this case would not be applicable having had my identity stolen. As we all know, anybody from any computer can do that. Requested MY ACTUAL signature IAW FCRA and they have not responded back.
<P/>
XXXX- listed on my XXXX/XXXX report- ( cert letter sent X/XX/17 ) failed to respond back within allotted 30 day requirement.
<P/>
XXXX XXXX XXXX- listed on my XXXX/XXXX report- ( cert letter sent XXXX ) failed to respond back within allotted 30 day requirement.

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