Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENOVA INTERNATIONAL, INC. (DE)

Subject : Cease Unauthorized Credit Reporting Immediately in Accordance with Delaware FCRA Identity Theft Fraud Laws Dear NETCREDIT, I am reaching out to address a serious breach concerning the unauthorized dissemination of my personal information to credit reporting agencies, which directly contravenes the Fair Credit Reporting Act ( FCRA ) as delineated in Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Delaware 's pertinent financial laws, including but not limited to Sections 222.503 and 222.506 of the Delaware Code , and identity theft fraud statutes, particularly Delaware Code Title 11, Section 854.

It has recently come to my attention that NETCREDIT has been actively furnishing my confidential data to credit reporting agencies without securing explicit consent. Federal law unequivocally dictates that consumer consent is an absolute prerequisite for such actions under Section

1681b ( a ) ( 2 ) of the FCRA. In alignment with federal mandates, Delaware state law, particularly Section 222.503 of the Delaware Code, underscores the imperative nature of consumer consent for any credit reporting activity. Furthermore, Section 222.506 of the Delaware Code sets forth stringent criteria for the fair and accurate dissemination of consumer credit information. Concurrently, Delaware 's identity theft fraud laws, specifically outlined in Delaware Code Title 11, Section 854, unders
core the gravity of illicit access and misuse of personal data.

I assert, with utmost certainty, that I have not provided consent for NETCREDIT to disclose any of my information to credit reporting agencies. This undeniable absence of explicit permission constitutes a blatant violation of my rights, potentially jeopardizing my creditworthiness and exhibiting a flagrant disregard for both federal and state laws.

I demand, unequivocally, that NETCREDIT immediately cease any further dissemination of my information to credit reporting agencies without securing my explicit consent, as mandated by Sectio

n 1681b ( a ) ( 2 ) of the FCRA and Sections 222.503 and 222.506 of the Delaware Code. Failure to comply within the stipulated 30-day timeframe will be construed as deliberate noncompliance, subject to penalties under relevant laws, including Delaware 's identity theft fraud statutes. It is imperative to emphasize that obtaining consent is not discretionary but rather a legal obligation under the aforementioned sections of the FCRA, Delaware state law, and identity theft fraud statutes. This communication serves as a d irective for compliance with federal and state regulations, safeguarding the rights of consumers, myself included, against unwarranted and detrimental credit reporting practices.
I anticipate your immediate attention to this matter and expect NETCREDIT to expeditiously rectify these egregious violations, thereby honoring my rights under federal and state laws.