Consumer complaint received 2020-06-11
Company: ENOVA INTERNATIONAL, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to dispute and provide evidence of a current false derogatory remark on my credit.  Currently, there is a derogatory mark under the company NC FINANCIAL  that has claimed and reported on my credit that there is a loan amount of XXXX with a XXXX   past due amount in collections.  These numbers are incorrect.  

The principal amount of the loan was XXXX  and has been placed in
settlement for the amount of XXXX.  I have paid a total of XXXX   to NC FINANCIAL since the principal amount was disbursed and have enclosed a payment history that reflects my payments.  I have enclosed the documents with the correct information with this letter with notations identifying the original loan contract, the settlement documents, and the credit report with the false information.  
 
The credit company NC FINANCIAL had sold off  this account to a third party agency during the time that I was diagnosed with XXXX and has reported false information.  I had reached out  to NC FINANCIAL when I had been diagnosed with XXXX as soon as the federal health department confirmed my XXXX results on XXXX XXXX XXXX,  and NET CREDIT in response sent me a notification from customer support stating that my account would be pardoned  as a pandemic relief for 90 days.  However within these 90 days, they sold my account and falsely reported an outrageous collections amount along with a false past due amount.    

 With this complaint I am providing the documents to show the contracted 
principal loan amount, a summary of my payment history, a settlement offer, and the current statements from my credit that shows what they have reported.  I would like to resolve and clear this error.

Also, I find it disheartening that NC FINANCIAL had notified me that my account would be pardoned during the time of my recovery from XXXX, only to then to force me into an expedited settlement during my vulnerable times with a third party they hired and then report false information. Not only is it insensitive
during this time of a global pandemic, it is highly unprofessional and is an abuse of business practices.  Additionally, I had reached out to NC financial on multiple occasions in XXXX and XXXX, and not only was I unable to get past the phone automated system to set up a payment plan with customer service, they also failed to honor  90 day pandemic relief.  I reached out to customer Support via email on the dates of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  regarding
a resolution for my account and to confirm my settlement offer and I did not receive any response besides automated messages stating that I needed to respond to the settlement, which I HAD. Also, mind you, this was all AFTER they had sent me a pandemic relief "pardon."   All of my emails had gone ignored.  Also, Regarding the false information reported by NC FINANCIAL to the credit bureau, I have emailed with supported documents on XXXX XXXX to have the false report corrected and have not yet received any response

Company response to consumer: Closed with explanation