Consumer complaint received 2024-01-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENOVA INTERNATIONAL, INC. (IL)

I am filing a formal complaint against Headway Capital for their blatant disregard for effective communication and failure to provide sufficient documentation pertaining to an alleged account associated with my name. In XXXX I received an email notifying me of their intention to initiate collection proceedings for a purported account that I allegedly opened, along with a proposed settlement payment schedule. Prior to this notice, I had no knowledge of any outstanding debt, and in an effort to prevent further damage to both my personal and business credit scores, I made a single payment in accordance with the provided payment schedule. Subsequently, I requested complete documentation that would unequivocally demonstrate the legitimacy of the account, including evidence bearing my authentic signature. Headway Capital, however, only furnished an electronically-signed agreement that appeared to have been initiated through XXXX. This raised significant doubts and skepticism, prompting both myself and my legal counsel to demand the comprehensive proof of signature, all relevant documentation, and any correspondence pertaining to this debt. Given our strong suspicion that this account may be fraudulent, we made the decision to cease all further payments until the requested legal documentation was provided. Within a period of less than 60 days, I received a barrage of emails detailing alleged balances, which exhibited significant discrepancies when compared to the collections total and the charge-off amount reflected on my personal credit report. To ensure accuracy, I have diligently maintained a chronological record of these amounts, starting from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I find it deeply concerning that Headway Capital contacted me from a phone number associated with the entity labeled " Business Backer, '' which is not the same entity as Headway Capital. In fact, I possess a five-minute voicemail recording of a Headway representative audibly consuming chips without uttering a single word, followed by a curt message instructing me to return their call. This unprofessional and deplorable behavior is utterly unacceptable. Unless Headway Capital can promptly provide tangible, irrefutable evidence substantiating the legitimate opening of this account, complete with my authentic physical signature, as well as a comprehensive paper trail documenting all payments, loan history, and correspondences, I will be compelled to initiate legal proceedings against them. Such legal action will seek punitive damages, citing negligence, emotional distress, willful recklessness, statutory damages, and the adverse impact on my credit score resulting from an inaccurate and incomplete account that has yet to be proven as anything other than fraudulent. I demand a thorough investigation into this matter by the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the three major credit bureaus. I grant them a period of 30 days, as per the guidelines outlined in the Fair Credit Reporting Act ( FCRA ), to complete their investigation. It is imperative that the FCRA Section 611 ( a ) ( 1 ) ( A ) be adhered to, which stipulates that if the completeness or accuracy of any information contained in a consumer 's credit file is disputed and the credit reporting agency can not verify the information 's accuracy within a reasonable timeframe, the credit reporting agency must expeditiously delete or modify the disputed information. Consequently, I hereby demand the immediate removal of ALL negative information from not only my personal credit report but also my business credit reports. Failure to comply with this request will leave me no choice but to pursue legal action to rectify this injurious situation.