Consumer complaint received 2022-10-27
Company: ENOVA INTERNATIONAL, INC.
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I received word from my XXXX that a XXXX XXXX XXXX called XXXX was contacting my brother-in-law, attempting to get in touch with me about a debt. They had then called him, attempting to locate me. I got the information for XXXX, called them, and asked to speak to XXXX, who was the one that had contacted both my XXXX, and my XXXX 
XXXX informed me that they were attempting to collect a debt, owed to a company called NetCredit, in the amount of {$4800.00}. 
I told XXXX that I had never heard of NetCredit. I did not authorize the loan, did not apply for the loan, and as far as I was aware, did not receive money from a loan. She asked me to clarify my phone number, my address, the company I worked for, etc. It was determined that the phone number provided to the creditor was that of my XXXX, the address was mine, and the company provided was not an existing company. 
At this point I asked when the debt was incurred, and was informed that the information XXXX had stated that the loan was opened in XXXX of XXXX with funds disbursed in XXXX of XXXX 
We then clarified email address- as the listed email address was similar to mine, but not correct. Therefore, I had never received any communication from the creditor. I did recall that around that same time I had noticed suspicious activity on my bank account, with amounts of {$1.00}, then {$500.00}, and then $ XXXX being deposited into my account, and then removed from the account in the next XXXX XXXX. But I did not find any evidence of a payment made from NetCredit into my bank account. 
At this point XXXX transferred me to XXXX of her supervisors, whose name I unfortunately don't recall. He talked me through next steps, as by this point we suspected that I had been the victim of identity theft and fraud. He suggested that I report the fraud to the XXXX, and XXXX agreed to close the collection account as fraudulent, and they agreed to send me all pertinent information they had about the loan. XXXX resolved the situation to the best of their ability, and I have no complaints about their conduct or their actions. 
However, I have since received XXXX calls, texts, emails, and other communication from other companies, pertaining to a debt, which is never specified. I received a phone call communication today from a woman named " XXXXXXXX XXXX, attempting to get a statement from me about a file in her office under review. She stated that this was the XXXX attempt to contact me, and that it was a courtesy call. '' At which point the tone of the call becomes more threatening as she states that " this process will continue even if she doesn't speak with me directly. '' My XXXX XXXX XXXX XXXX and various other family members have also received communication from some of these " collection agencies, '' who are attempting to contact me. Most of them are threatening legal action, or sound as though they are. XXXX numbers are provided by these callers, XXXX of which being XXXX. The number which XXXXXXXX XXXX called from is listed in my phone as being XXXX, but the number she provides to me on my voicemail is XXXX. 
When I XXXX any of these numbers they come back as fraudulent, and others have listed them as attempted scammers. 
I would like action taken against these potential scammers. 
I would also like action taken to state that I have been the victim of identity theft and fraud, and that my name, and the names of my family members, as well as our contact information, should no longer be accessed by creditors and debt XXXX.

Company response to consumer: Closed with explanation