Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
Date : XX/XX/XXXX To : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Subject : Request for Investigation Inaccurate and Unverifiable Account Reporting Account in Question : XXXX XXXX XXXX ( Original Creditor : CashNetUSA ) Dear XXXX  Dispute Department, I am writing to formally dispute the accuracy and completeness of an account appearing on my XXXX  credit file, reported by XXXX XXXX XXXX with the original creditor listed as CashNetUSA. 

Upon reviewing my credit reports from XXXX, XXXX, and XXXX, I noticed inconsistent and unverifiable information regarding this account. The reported balances, dates opened, and status differ between bureaus, which constitutes a violation of the accuracy and consistency requirements outlined under XXXX U.S.C. XXXX of the Fair Credit Reporting Act ( FCRA ). 

Because the information is inconsistent and unverifiable, I request that XXXX conduct a full reinvestigation and delete this account from my credit report unless the furnisher can provide documented evidence of complete accuracy and proper verification. 

Additionally, please remove any outdated or non-mailable names, addresses, or telephone numbers associated with my file. My correct identifying information is listed above. 

Pursuant to FCRA XXXX ( a ) ( XXXX ) ( A ), if the investigation does not verify the information, the account must be promptly deleted. Please send me written confirmation of the results of your reinvestigation once completed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation Inaccurate and Unverifiable Account Reporting Account in Question : XXXX XXXX XXXX ( Original Creditor : CashNetUSA ) Dear Equifax Dispute Department XXXX XXXX am writing to dispute the accuracy and completeness of an account being reported by XXXX XXXX XXXX XXXX originally associated with CashNetUSA. 

After carefully reviewing my credit reports from all three major bureaus, I found that this account contains inconsistent and unverifiable information when compared among XXXX, XXXX, and XXXX. The reported dates, balances, and status of the account do not match. This inconsistency violates the accuracy standards required under XXXX U.S.C. XXXX of the Fair Credit Reporting Act ( FCRA ). 

Because this information can not be verified across all credit reporting agencies, I am requesting that Equifax conduct a full reinvestigation and delete this account from my credit file unless the furnisher can provide documented proof of its accuracy and validity. 

Additionally, please remove all outdated or non-mailable names, addresses, and phone numbers from my file. My correct identifying information is as listed above. 

If verification can not be obtained, I request deletion pursuant to FCRA XXXX ( a ) ( XXXX ) ( A ) and written confirmation of the results once your investigation is completed. 

Thank you for your prompt handling of this matter. 

Sincerely, XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation Inaccurate and Unverifiable Account Reporting Account in Question : XXXX XXXX XXXX ( Original Creditor : CashNetUSA ) Dear XXXX  Dispute Department, I am submitting this formal dispute regarding an account being reported by XXXX XXXX XXXX, originally tied to CashNetUSA. 

Upon comparing my credit files across Experian, Equifax, and TransUnion, I found that the information reported for this account is inconsistent and unverifiable. The accounts status, balance, and opening dates differ between the XXXX credit bureaus, which constitutes a violation of the accuracy requirements set forth in XXXX U.S.C. XXXX of the Fair Credit Reporting Act ( FCRA ). 

Because this account can not be verified with consistent and accurate documentation, I request that TransUnion conduct a reinvestigation and delete the account from my credit file unless the furnisher can provide verifiable and complete evidence of accuracy. 

In addition, please remove all outdated or non-mailable names, addresses, or phone numbers associated with my credit file. My correct identifying information is shown above. 

Under FCRA XXXX ( a ) ( XXXX ) ( A ), if the disputed information can not be verified, the bureau is required to delete it. Please send written confirmation of your reinvestigation results once completed. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation