Consumer complaint received 2024-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Enium Capital Group LLC (CO)

I sold my home in XXXX with which a transfer of a solar panel loan was involved. Before my home sold, we secured an approved transfer of the loan to the buyer ( the process itself was very difficult and the company tried to deny the buyer of the home multiple times without explanation ). After we received an approval, we submitted the transfer and assumption paperwork and our home sold to the buyers a few days later. In XXXX I received notification that the account was in collections in my name, and the company denied ever issuing the approvals even though we have everything in writing and on company letterhead, and emails! They said they issued a denial via mail without informing any of the parties involved in the home sale, days after issuing the approval and only two days prior to when our home was set to be sold to out of state buyers. After I spent countless hours on the phone and via email attempting to resolve this, I am at a standstill. Since XXXX, the company accepted their approval of the loan, and transferred to the buyer. My credit report is still affected almost 90 days later, and as of last week this debt was temporarily removed. This week, the debt was reinstated on my credit report as belonging to me after I submitted a dispute directly with the credit bureau. My credit score was negatively impacted by at last XXXX points for the last 4 months minimum, and it's caused an incredible amount of stress, I've not been able to refinance my student loans or even open up a new high yield savings account. An account executive confirmed last week XX/XX/XXXX on the phone that in order for it to be re-instated on my credit report, it needs to be confirmed by the company that the information is accurate ( meaning they reinstated the debt and missed payments as belonging to me ). The company also fraudulently back dated the payoff dates in my payment portal to show the loan was paid off XX/XX/XXXX, which is at 10 days before our home sold, to cover up this entire situation. I have proof that this was not done until at least XX/XX/XXXX ( this account view that I downloaded shows the debt on my portal, delinquency letters, etc ). Multiple times throughout this process I requested proof of submission of the correction sent to the credit bureaus, and nothing was provided. The company refused to take accountability for this situation or attempt to resolve this. The account executive I spoke with XX/XX/XXXX had empathy, but also acknowledged this ridiculous situation as something that should never have happened. I have filed formal reports on the company 's website, with the IL Attorney General, with the XXXX, and now with the Consumer Financial Protection Bureau. I have spent an incredible amount of time trying to resolve this myself ( over XXXX hours of work XXXX, phone calls, emails, report filings, consultations with lawyers ) when it should have never been my situation to begin with, it's caused an incredible amount of stress and damage to my financial situation the last 6 months. I am certain that our only way forward on the path to resolution is going to be with legal assistance, and ensuring that this company does not do this again to other people.